| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 38119 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 10.84% |
| BARNETT BENEFITS LLC3 Filed as: BARNETT CORPORATE INSURERS | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 38119 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 2.09% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INSURANCE INC | 2670 UNION AVENUE EXT, SUITE 100 MEMPHIS, TN 38112 | HARTFORD LIFE AND ACCIDENT | -$9 | — | -$9 | -0.00% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $20K | — | $20K | 9.21% |
| BAKER BIRDWELL LLC3 | 5200 MARYLAND WAY, SUITE 302 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.46% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXT, SUITE 200 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.95% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR, STE 1 MEMPHIS, TN 38119 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.70% |
| BARNETT BENEFITS LLC3 Filed as: THE BARNETT GROUP | 7906 PLAYERS FOREST DR MEMPHIS, TN 38119 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.89% |
| PRODUCERS CONNECTION LLC3 | P.O. BOX 2556 CORDOVA, TN 38088 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | — | $20 | 0.02% |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 724 | $217K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 724 | $217K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 600 | $584K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 600 | $584K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 600 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.