| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $192K | $0 | $192K | 5.05% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | SYMETRA LIFE INSURANCE COMPANY | $62K | $0 | $62K | 13.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | SYMETRA LIFE INSURANCE COMPANY | $6K | $26K | $32K | 7.10% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.25% |
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 | 550 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 886 | $3.8M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 886 | $3.8M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 886 | $3.8M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 550 | $457K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 550 | $457K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 550 | $457K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 550 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.