| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $63K | — | $63K | 5.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 890635 CHARLOTTE, NC 28289 | PAN-AMERICAN LIFE INSURANCE COMPANY | $41K | — | $41K | 9.56% |
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $37K | — | $37K | 11.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3605 GLENWOOD AVENUE STE 201 RALEIGH, NC 27812 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 16.63% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $22K | 17.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.32% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $995 | $1K | $2K | 7.66% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $337 | — | $337 | 1.26% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.14% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $576 | $2K | 15.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $564 | — | $564 | 3.84% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $411 | $239 | $650 | 11.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $137 | — | $137 | 2.50% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | $217 | $509 | 13.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | — | $97 | 2.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | P.O. BOX 890635 CHARLOTTE, NC 28289 | PAN-AMERICAN LIFE INSURANCE COMPANY | $58 | — | $58 | 9.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE THIRD PARTY ADMIN | Contract Administrator Service code 13 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | $33K |
| PAN-AMERICAN BENEFIT SOLUTIONS OTHER | Other services Service code 49 | 1778 NO PLANO RD 310 RICHARDSON, TX 75081 | $29K |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 234 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 1,129 | $315K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 1,129 | $315K |
| Life insurance(4 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 605 | $765K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 605 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $27K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 423 | $433K |
| Other(7 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 605 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,129 | — |
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.