| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN W BARNETT3 Filed as: EDWIN W. BARNETT | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $10K | $150K | 10.75% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125K | $25K | $150K | 12.00% |
| EDWIN W BARNETT3 Filed as: EDWIN W. BARRETT | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE | $174K | — | $174K | 15.46% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $34K | — | $34K | 5.00% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT BENEFITS | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 381199171 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| JANE LETTES3 | 5895 LYNNBRIAR AVENUE MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.30% |
| THE BRAKEBILL COMPANY3 | 6379 KIRBY RIDGE COVE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.30% |
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 | 1,382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 2,812 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,146 | $676K |
| Vision | VISION SERVICE PLAN | 775 | $120K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,400 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,414 | $1.4M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,414 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,812 | — |
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.