| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD | $25K | $24K | $49K | 19.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD #900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.96% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$5 | $0 | -$5 | -0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | FIRST RELIANCE STANDARD | $50 | $0 | $50 | 13.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $566K |
| CIGNA | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
| CIGNA HEALTH & LIFE COMPANY | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
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 | 1,090 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 237 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,090 | $65K |
| Life insurance | RELIANCE STANDARD | 1,001 | $252K |
| Short-term disability | FIRST RELIANCE STANDARD | 2 | $376 |
| Long-term disability | RELIANCE STANDARD | 1,001 | $252K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 1,001 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.