| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN JETT3 | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | — | $39K | 3.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 16.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.98% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 37402 | DELTA DENTAL OF TENNESSEE | $8K | $0 | $8K | 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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 138 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 194 | $75K |
| Vision | DELTA DENTAL OF TENNESSEE | 194 | $75K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $209K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $209K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $209K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 138 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.