| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $21K | $21K | 5.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 374024212 | VISION SERVICE PLAN | $14K | — | $14K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | — | $47K | 20.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 5.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST SUITE 302 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $55K | — | $55K | 29.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
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 | 2,105 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,117 | $282K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,626 | $414K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,044 | $104K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,721 | $149K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,626 | $952K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,626 | — |
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.