| 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 | $503K | $203K | $706K | 7.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 55 E JACKSON BOULEVARD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $162K | $17K | $180K | 4.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $116K | $87 | $116K | 2.70% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $7K | $30K | 0.70% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $212K | — | $212K | 5.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 55 E JACKSON BOULEVARD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91K | $10K | $101K | 3.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | — | $74K | 2.91% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 0.68% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485K | — | $485K | 20.76% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485K | — | $485K | 20.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | — | $516 | 0.02% |
| ELIZABETH GRELLNER3 | 101 S HANLEY ROAD SUITE 900 ST. LOUIS, MO 63105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.00% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $145K | $26K | $171K | 8.82% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $145K | $8K | $153K | 7.92% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $110K | $23K | $133K | 8.41% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $110K | $9K | $118K | 7.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF PUERTO RICO | 304 AVENUE PONCE DE LANE 100 #1000 SAN JUAN, PR 00918 | TRIPLE-S SALUD, INC | $60K | — | $60K | 5.00% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $87K | $14K | $101K | 10.31% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $87K | $5K | $92K | 9.42% |
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 | 58,645 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 58,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 951 | $11.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 36,892 | $10.5M |
| Vision | VISION SERVICE PLAN | 18,897 | $3.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 54,591 | $6.9M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 4,979 | $2.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 55,991 | $10.1M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 951 | $11.8M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 10,364 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 55,991 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.