| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $175K | $28K | $203K | 15.40% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4823 OLD KINGSTON PARK, SUITE 300 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $83K | $0 | $83K | 10.00% |
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PARK, SUITE 300 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $9K | $0 | $9K | 9.94% |
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 | 1,172 | 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) | 1,172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,186 | $826K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 2,034 | $95K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,172 | $1.3M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,172 | $1.3M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,172 | $1.3M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,172 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,186 | — |
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.