| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRISTYN SHERMAN PARTNERS | 1277 KENSINGTON DRIVE KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $224K | $47K | $272K | 15.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $86K | — | $86K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $63K | — | $63K | 25.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOYSCOUT BLVD #900 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 9.23% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.91% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 25.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37922 | TELADOC HEALTH MEDICAL GROUP, P.A. | $12K | — | $12K | 15.00% |
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 | 5,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,043 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 5,216 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,574 | $222K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,025 | $1.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,025 | $1.7M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,025 | $1.7M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,025 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,216 | — |
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.