| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PK STE 300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $101K | — | $101K | 3.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | $8K | $55K | 15.95% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 ADDISON, TX 75001 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $31K | — | $31K | 10.00% |
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 | 421 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 421 | $2.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,019 | $311K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 421 | $2.9M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $348K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $348K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $348K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 514 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,019 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.