| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNE | 4211 W BOY SCOUT BLVD SUITE 80 TAMPA, AL 33607 | HM INSURANCE GROUP | $69K | $0 | $69K | 12.50% |
| JOAN TAYLOR3 Filed as: JOAN E TAYLOR | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $4K | $632 | $5K | 3.04% |
| EMMETT HAWKINS3 | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $2K | $0 | $2K | 1.20% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $2K | $0 | $2K | 0.94% |
| GEORGE C SEYMOUR3 | 1935 LAMONT ST KINGSPORT, TN 37664 | AFLAC | $1K | $173 | $1K | 0.89% |
| CINDY LYNN HANNA3 | 2413 MCCAMMON RD KNOXVILLE, TN 37920 | AFLAC | $1K | $0 | $1K | 0.71% |
| JAMES E GOLDRICK3 | 39 MOSES LN SOUTHHAMPTON, NY 11968 | AFLAC | $837 | $0 | $837 | 0.52% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $829 | $0 | $829 | 0.52% |
| CAROL KINSLER3 | 2229 CHINQUAPUX GROVE RD BLUFF CITY, TN 37618 | AFLAC | $668 | $0 | $668 | 0.42% |
| LYNN HODGE3 | 430 ALFAFA LN JONESBOROUGH, TN 37659 | AFLAC | $643 | $0 | $643 | 0.40% |
| JOHN A HAWLEY3 | 575 DOBBINS HOLLOW RD NE PILOT, VA 24138 | AFLAC | $307 | $111 | $418 | 0.26% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $382 | $28 | $410 | 0.26% |
| BETH MORROW3 | 727 JONES FRANKLIN RD MORRISTOWN, TN 37813 | AFLAC | $360 | $0 | $360 | 0.23% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $354 | $0 | $354 | 0.22% |
| STEPHANIE BECK3 | 1603 SAN MIGUEL DR SAINT CHARLES, MO 63303 | AFLAC | $220 | $0 | $220 | 0.14% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $191 | $0 | $191 | 0.12% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $145 | $0 | $145 | 0.09% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $66 | $0 | $66 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $61 | $0 | $61 | 0.04% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $45 | $0 | $45 | 0.03% |
| JERRY A SURBER3 | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $44 | $0 | $44 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $44 | $0 | $44 | 0.03% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $43 | $0 | $43 | 0.03% |
| DAVID WHITAKER3 | 1202 GREENLEE DR JONESBOROUGH, TN 37659 | AFLAC | $42 | $0 | $42 | 0.03% |
| MATTHEW SMITH3 | 8805 SW 9TH STREET RD OCALA, FL 34481 | AFLAC | $42 | $0 | $42 | 0.03% |
| SHARON DAVIS3 | 231 JOHN BOULDIN DR MARYVILLE, TN 37801 | AFLAC | $37 | $0 | $37 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $37 | $0 | $37 | 0.02% |
| SAMUEL ANDERSON3 | 191 CHEROKEE ST SURGOINSVILLE, TN 37873 | AFLAC | $33 | $0 | $33 | 0.02% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $31 | $0 | $31 | 0.02% |
| VICKIE DENESE GRAVES3 | 29214 JACOBS RIVER DR KATY, TX 77494 | AFLAC | $30 | $0 | $30 | 0.02% |
| SANDRA FIELDS3 | 1805 KING COLLEGE RD APT C13 BRISTOL, TN 37620 | AFLAC | $29 | $0 | $29 | 0.02% |
| GARY STORY3 | PO BOX 4328 JOHNSON CITY, TN 37602 | AFLAC | $29 | $0 | $29 | 0.02% |
| RUTH HOBBS FARMER3 | 2055 N MOUNT JULIET RD MT JULIET, TN 37122 | AFLAC | $26 | $0 | $26 | 0.02% |
| KENNETH R MEREDITH3 | 100 E MEADOW HILL DR FLORENCE, AL 35633 | AFLAC | $24 | $0 | $24 | 0.02% |
| DAVID R CHARLES3 | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $23 | $0 | $23 | 0.01% |
| JAMES R HILL JR3 Filed as: JAMES HILL | 11350 GATES MILL DR KNOXVILLE, TN 37934 | AFLAC | $20 | $0 | $20 | 0.01% |
| FREDERICK HARRIS JR3 | 802 BUFFALO ST STE 14 JOHNSON CITY, TN 37604 | AFLAC | $19 | $0 | $19 | 0.01% |
| TERRI LAWSON DRAKE3 | 1009 PAINTER CREEK RD BRISTOL, TN 37620 | AFLAC | $19 | $0 | $19 | 0.01% |
| GEORGE H COCHRAN3 | 4555 WALDON POND LANE CORRYTON, TN 37721 | AFLAC | $14 | $0 | $14 | 0.01% |
| RYAN DREBING3 Filed as: RYAN DREBBING | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $14 | $0 | $14 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | $0 | $12 | 0.01% |
| CHARLES HOUGH3 | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $12 | $0 | $12 | 0.01% |
| JO ANN KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $9 | $0 | $9 | 0.01% |
| LINDA WESTER3 | PO BOX 1816 MORRISTOWN, TN 37816 | AFLAC | $8 | $0 | $8 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $6 | $0 | $6 | 0.00% |
| GAY M HUNDLEY3 | 8796 FOREST CREEK LN ANNA, TX 75409 | AFLAC | $6 | $0 | $6 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $4 | $0 | $4 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $2 | $0 | $2 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL DANIEL CHRISTIAN3 | 13904 CORTES DE PALLAS DR LITTLE ELM, TX 75068 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER JOHNSON | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | $0 | $1 | 0.00% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $0 | $0 | $0 | 0.00% |
| HARVEY EDWARD MCCREARY JR3 | 717 BOSLEY FATE, TX 75087 | AFLAC | $0 | $0 | $0 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $24K | 20.12% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.36% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | $0 | $3K | 10.06% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $4K | $0 | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $127K |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 514 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 406 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 127 | $29K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $78K |
| Short-term disability | AFLAC | 189 | $160K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $120K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 211 | $553K |
| Other(2 contracts, 2 carriers) | AFLAC | 231 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.