| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALWIN KRYSTYN SHERMAN PARTNERS3 Filed as: THE BALWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $7K | $57K | 14.52% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 10.00% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PK STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | — | $2K | 9.88% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD #900 STE 300 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.95% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 445 | $141K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 312 | $40K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $389K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $389K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $389K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.