| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD STOP LOSS | $49K | — | $49K | 12.36% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | P.O. BOX 11310 CHATTANOOGA, TN 37401 | DELTA DENTAL OF TENNESSEE | $17K | — | $17K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 W. BOY SCOUT BLVD, STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA STD | $4K | — | $4K | 3.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 W. BOY SCOUT BLVD, STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY CRITICAL ILLNESS | $5K | — | $5K | 13.87% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNUM INSURANCE COMPANY CRITICAL ILLNESS | $947 | — | $947 | 2.77% |
| BRENT WICK3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD VISION | $3K | — | $3K | 9.95% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 W. BOY SCOUT BLVD, STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY GROUP ACCIDENT | $2K | — | $2K | 11.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY INC. | PO BOX 211486 COLUMBIA, SC 29221 | UNUM INSURANCE COMPANY GROUP ACCIDENT | $384 | — | $384 | 2.76% |
| BRENT WICK3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD MEDICAL | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $186K |
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 | 271 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD MEDICAL | 271 | $0 |
| Dental | DELTA DENTAL OF TENNESSEE | 260 | $169K |
| Vision | BLUE CROSS BLUE SHIELD VISION | 227 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA FLEX LIFE | 386 | $300K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD STOP LOSS | 271 | $397K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA STD | 153 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.