| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $113K | — | $113K | 3.84% |
| TRINITY BENEFIT ADVISORS, INC. Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | CIGNA DBA NEW YORK LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS Filed as: BALDWIN KRYSTYN SHERMAN PARTNER | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | GUARDIAN LIFE INSURANCE COMPANY | $12K | $10K | $22K | 26.28% |
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 | 636 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 636 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 635 | $2.9M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 658 | $3.0M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 658 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | CIGNA DBA NEW YORK LIFE INSURANCE COMPANY | 658 | $262K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA DBA NEW YORK LIFE INSURANCE COMPANY | 658 | $262K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 658 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.