| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FABRIZIO3 Filed as: ROBERT PEACE | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $102K | $102K | 6.45% |
| SARA LYNCH3 | 605 CHESTNUT ST, LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $7K | $7K | 0.47% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 16.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 611 POINT NORTH BLVD ALBANY, GA 31721 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $7K | $10K | 4.77% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $11K | $36K | 22.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 KIMBALL PLACE, SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 KIMBALL PL SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $474 | — | $474 | 1.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 KIMBALL PLACE, SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $119 | — | $119 | 0.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $626 | $2K | 13.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 KIMBALL PLACE SUITE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $122 | — | $122 | 0.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $903 | $612 | $2K | 15.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 100 KIMBALL PL SUITE 300 ALPHARETTA, GA 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $81 | — | $81 | 0.82% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD, STE 800 TAMPA, FL 33607 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $15 | $15 | 9.74% |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 800 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 800 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 800 | $1.6M |
| Life insurance(4 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $417K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $252K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 54 | $29K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 1 | $154 |
| Other(6 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 527 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.