| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $448K | $141K | $589K | 6.58% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $294K | $84K | $378K | 9.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | VISION SERVICE PLAN | $107K | — | $107K | 2.61% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | CONTINENTAL AMERICAN INSURANCE COMPANY | $813K | — | $813K | 34.53% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $428K | — | $428K | 18.19% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 0.96% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD SUITE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | — | $250 | 0.01% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | $46K | $208K | 9.00% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $128K | $43K | $171K | 10.00% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $128K | $17K | $145K | 8.50% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $117K | $39K | $157K | 10.08% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $117K | $16K | $133K | 8.59% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $97K | $25K | $122K | 12.66% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $97K | $10K | $107K | 11.13% |
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 | 66,065 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 125 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66,190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,001 | $12.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 39,120 | $9.8M |
| Vision | VISION SERVICE PLAN | 19,674 | $4.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 56,377 | $6.5M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 40,276 | $2.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54,119 | $9.0M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 1,001 | $12.2M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 40,276 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56,377 | — |
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.