| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 Filed as: ANDREW MANN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $63K | — | $63K | 5.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $8K | $30K | 20.57% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.14% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 288 | $1.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 307 | $98K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $147K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $147K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $147K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE | 288 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.