| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRIS POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $192K | $0 | $192K | 12.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | DELTA DENTAL | $26K | $0 | $26K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | $13K | $77K | 18.14% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRINITY MEDICAL GROUP EIN 62-1769838 WELLNESS PROGRAM | Other services Service code 49 | 280 FT SANDERS WEST BOULEVARD SUITE 101 KNOXVILLE, TN 37932 | $65K |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 1,518 | $1.5M |
| Dental | DELTA DENTAL | 1,607 | $528K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 661 | $133K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 797 | $423K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 797 | $423K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 797 | $423K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 797 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,607 | — |
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.