| 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 | $233K | $26K | $259K | 14.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $81K | — | $81K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65K | $5K | $70K | 27.02% |
| BKS - TENNESSEE3 Filed as: BKS-TENNESSEE | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 9.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN INSURANCE GROUP, LLC | 4211 WEST BOY SCOUT BLVD. SUITE 900 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 3.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $3K | $38K | 26.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37922 | TELADOC HEALTH MEDICAL GROUP, P.A. | $6K | — | $6K | 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 | 3,716 | 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) | 3,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 5,281 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,193 | $207K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,716 | $1.8M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,716 | $1.8M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,716 | $1.8M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,716 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,281 | — |
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.