| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE. 900 TAMPA, FL 33607 | SYMETRA LIFE INSURANCE COMPANY | $381K | $97K | $478K | 22.29% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $53K | — | $53K | 2.47% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRRISON & THOMAS LLC | DBA SALT MARGIN PO BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | — | $48K | $48K | 2.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $82K | — | $82K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | — | $82K | 25.00% |
| BKS - TENNESSEE3 Filed as: BKS-TENNESSEE | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 9.98% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | — | $43K | 25.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37922 | TELADOC HEALTH MEDICAL GROUP, P.A. | $25K | — | $25K | 16.18% |
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 | 3,734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 4,999 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,078 | $222K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,887 | $2.1M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,887 | $2.1M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,887 | $2.1M |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,887 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,078 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.