| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 4823 OLD KINGSTON PK SUITE 300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $46K | $0 | $46K | 3.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 15.40% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 17.18% |
| DAVID SPENCER3 | 407 EAST 4TH STREET CHATTANOOGA, TN 37403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.21% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| KATERINE F LANDERS3 | 6608 JOYFUL DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.07% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL RD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| TAYLOR R THIGPEN3 | 1200 MOUNTAIN CREEK RD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 100 W CYPRESS ROAD STE 630 FT. LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| KACY A GRUENKEMEYER3 | 20 CHEROKEE BLVD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $759 | $4K | 15.53% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $628 | $0 | $628 | 2.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $346 | $2K | 15.82% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $257 | $0 | $257 | 2.36% |
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 | 374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 297 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 297 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 297 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 374 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $25K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 297 | $1.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 374 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.