| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 246 EAST 11TH ST STE 302 CHATTANOOGA, AL 37402 | SYMETRA LIFE INSURANCE COMPANY | $235K | $124K | $359K | 19.53% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $41K | $0 | $41K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.21% |
| BRENT WICK3 | 246 E 11TH STREET STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $15K | $0 | $15K | 9.97% |
| BRENT WICK3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $50K | $0 | $50K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF TN EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON CIRCLE CHATTANOOGA, TN 37402 | $689K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 240 VENTURE CIRCLE NASHVILLE, TN 37228 | $51K |
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 | 1,380 | 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) | 1,385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 2,584 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 2,252 | $152K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,384 | $1.8M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,384 | $1.8M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,384 | $1.8M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,384 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,584 | — |
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.