| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 3201 BEECHLEAF COURT, STE 200 RALEIGH, NC 27604 | HM LIFE INSURANCE COMPANY | $58K | — | $58K | 11.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W. BOY SCOUT BLVD, SUITE 80 TAMPA, FL 33607 | HM LIFE INSURANCE COMPANY | $21K | — | $21K | 3.95% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $23K | — | $23K | 13.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD, STE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | $12K | $6K | $18K | 10.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 550 S CALDWELL ST, STE 1500 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 6.54% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOTT BLVD TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.42% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 13.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD, STE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 10.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | P.O. BOX 896620 CHAROLETTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOT BLVD, STE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $4K | $10K | 11.08% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSUANRCE SERVICES INC | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 13.27% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD, STE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $7K | 10.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANE SERVICES, INC | P.O. BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD, STE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 563320 CHARLOTTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.44% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.44% |
| PAMELA LAWHORN3 | 435 BROAD STREET, STE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $10K | — | $10K | — |
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $8K | — | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD CONTRACT ADM | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $251K |
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 | 648 | 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) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 648 | $0 |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 533 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $57K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSRUANCE COMPANY | 679 | $259K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $120K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE | 648 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 648 | $528K |
| Other(3 contracts, 3 carriers) | HM LIFE INSURANCE COMPANY | 679 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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.