| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNETT BENEFITS LLC3 Filed as: E.W. BARNETT | 7906 PLAYERS FOREST DRIVE, STE 1 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $193K | — | $193K | 15.66% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DRIVE, STE 1 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132K | — | $132K | 11.03% |
| EDWIN W BARNETT3 Filed as: EDWIN W. BARNETT | 7906 PLAYERS FOREST DRIVE, STE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104K | $8K | $112K | 10.77% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 3225 KIRBY WHITTEN ROAD, #101 BARTLETT, TN 38134 | DELTA DENTAL OF TENNESSEE | $33K | — | $33K | 5.00% |
| ARTHUR E. LETTES3 | 4515 POPLAR AVE. SUITE 501 MEMPHIS, TN 38117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.56% |
| THE BRAKEBILL COMPANY3 Filed as: THE BRAKEBILL CO. | 6379 KIRBY RIDGE COVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.56% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT BENEFITS | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 381199171 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
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 | 1,357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 2,795 | $1.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,107 | $659K |
| Vision | VISION SERVICE PLAN | 754 | $114K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,308 | $1.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,308 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,795 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.