| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER POYNTER3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $44K | — | $44K | 4.56% |
| ROBERT FABRIZIO3 Filed as: ROBERT PEACE | 4211 W. BOY SCOUT BLVD, SUITE 800 TAMPA, FL 33607 | BLUECROSS BLUESHIELD OF TENNESSEE | $27K | — | $27K | 2.80% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD, STE 800 TAMPA, FL 33607 | PAN-AMERICAN LIFE INSURANCE COMPANY | $39K | $2K | $41K | 9.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $7K | $40K | 21.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $8K | $38K | 21.60% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.82% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $4K | 13.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $962 | $595 | $2K | 16.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $944 | $505 | $1K | 15.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE THIRD PARTY ADMIN | Plan Administrator Service code 14 | 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 | $105 |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 825 | $971K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 825 | $971K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 825 | $971K |
| Life insurance(4 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 631 | $807K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 631 | $215K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $29K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 459 | $409K |
| Other(6 contracts, 3 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 631 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 825 | — |
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.