| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNETT BENEFITS LLC3 Filed as: BARNETT CORPORATE INSURERS | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $61K | $61K | 4.39% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.50% |
| BARNETT BENEFITS LLC3 Filed as: ED BARNETT | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 9.00% |
| DORA DASILVA3 Filed as: DORA DDASILVA | 5628 HEATHER OAK DR. LAKELAND, TN 38002 | DELTA DENTAL OF TENNESSEE | $647 | — | $647 | 1.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 15.00% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | USABLE LIFE | $4K | — | $4K | 13.50% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | USABLE LIFE | $463 | — | $463 | 1.50% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7905 PLAYERS FOREST DRIVE, STE. 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 8.92% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $102 | — | $102 | 0.49% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $89 | $1K | 14.51% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $132 | $278 | $410 | 4.65% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR. STE. 1 MEMPHIS, TN 38119 | USABLE LIFE | $1K | — | $1K | 12.78% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $663 | $163 | $826 | 10.14% |
| DORA DASILVA3 | 3339 GALLER DRIVE MEMPHIS, TN 38125 | USABLE LIFE | $116 | — | $116 | 1.42% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 331 | $65K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $21K |
| Life insurance(2 contracts) | USABLE LIFE | 742 | $39K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $9K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.