| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSS BLAKELY & ASSOC LLC.3 Filed as: RUSS BLAKLEY & ASSOCIATES | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED HEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 5.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PK STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $336 | $17K | 15.30% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | DELTA DENTAL OF TENNESSEE | $8K | $0 | $8K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.30% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 4823 OLD KINGSTON PK STE 300 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | DELTA DENTAL OF TENNESSEE | $1K | $0 | $1K | 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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 222 | $916K |
| Dental | DELTA DENTAL OF TENNESSEE | 251 | $82K |
| Vision | DELTA DENTAL OF TENNESSEE | 232 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $113K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $113K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.