| 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 | $254K | $0 | $254K | 4.89% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD #900 STE 300 TAMPA, FL 33607 | SYMETRA LIFE INSURANCE COMPANY | $51K | $33K | $84K | 16.55% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 800 TAMPA, FL 33607 | BENEFIT INTELLIGENCE | $2K | $0 | $2K | 8.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 800 TAMPA, FL 33607 | BENEFIT INTELLIGENCE | $150 | $0 | $150 | 7.72% |
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 | 590 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 863 | $5.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 863 | $5.2M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 863 | $5.2M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 590 | $508K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 590 | $508K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 590 | $508K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 590 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.