| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $16K | 20.78% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTERNS, L | 600 CLEVELAND STREET SUITE 600 CLEARWATER, FL 33755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| REBECCA L HOGAN3 | 246 EAST 11TH STREET CHATTANOOGA, TN 37402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 0.69% |
| ETHAN GREER3 | 3253 EAST MALLORY BOULEVARD JUPITER, FL 33458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | — | $483 | 0.65% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $452 | — | $452 | 0.61% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $422 | — | $422 | 0.57% |
| STEVEN BREWER3 | 715 PINE RIDGE ROAD LEXINGTON, TN 38351 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.09% |
| STACI FISHER3 | 1789 BRADY DRIVE APARTMENT 4 DALTON, GA 30720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.06% |
| RILEY D GRAVES3 | 281 WADDELL ROAD SOUTHWEST CLEVELAND, TN 37311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $9K | 17.94% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 21.19% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $37K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 405 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.