| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 246 E 11TH ST STE 302 CHATTANOOGA, TN 374024269 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 4.81% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC-TN | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.45% |
| 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 | $9K | $7K | $16K | 21.93% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.59% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC-JOSEPH LACHER | 1185 AVENUE OF THE AMERICAS STE 2010 NEW YORK, NY 10036 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 9.94% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4823 OLD KINGSTON PK STE 300 KNOXVILLE, TN 37919 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 14.98% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS INC | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | — | $142 | 0.43% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $130 | — | $130 | 0.39% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4221 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | DELTA DENTAL OF TENNESSEE | $631 | — | $631 | 9.28% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF TENNESSEE | $58 | — | $58 | 0.85% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $624K |
| Dental | DELTA DENTAL OF TENNESSEE | 124 | $37K |
| Vision | DELTA DENTAL OF TENNESSEE | 143 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $72K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $72K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.