| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE CO. | $274K | $49K | $323K | 15.40% |
| CHRIS POYNTER (TRINITY BENEFIT ADV)3 | 8924 ISHERWOOD LANE KNOXVILLE, TN 37922 | DELTA DENTAL | $67K | $0 | $67K | 3.74% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL | $23K | $0 | $23K | 1.26% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE CO | $23K | $0 | $23K | 9.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANC EIN 59-1031071 CONTRACT ADMIN | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $2.3M |
| CIGNA | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 5,726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 5,256 | $250K |
| Dental | DELTA DENTAL | 6,191 | $1.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE CO. | 5,061 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE CO. | 5,061 | $2.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO. | 5,061 | $2.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE CO. | 5,061 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,191 | — |
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.