| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $45K | $11K | $57K | 18.79% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 10.00% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37922 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 9.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CHRISTOPHER POYNTER3 Filed as: CHRISTOPHER C POYNTER | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $17K | $0 | $17K | — |
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $94 | $0 | $94 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $185K |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 652 | $0 |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 455 | $104K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 320 | $37K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $301K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $301K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $301K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 364 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.