| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.80% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY | PO BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $10K | 15.46% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 21.27% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.10% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 292216486 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.10% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $807 | $807 | 3.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $604 | $2K | 13.66% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | MUTUAL OF OMAHA INSURANCE COMPANY | $753 | $368 | $1K | 22.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD TENNESSEE EIN 62-0427913 CONTRACT ADMIN | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $106K |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 372 | $0 |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $118K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $16K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $36K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.