| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT FABRIZIO3 Filed as: ROBERT PEACE | 4823 OLD KINGSTON PIKE, SUITE 300 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $44K | $0 | $44K | 0.37% |
| LUDOVINO DIAZ3 | 26 CENTURY BOULEVARD, SUITE 301 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $16K | $0 | $16K | 0.13% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $35K | $14K | $49K | 5.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 2.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 18.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 4.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 2.78% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.40% |
| CHILD HEALTH CORPORATION OF AMERICA3 | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $512 | $3K | 8.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $828 | $828 | 2.11% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 8.24% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 4.06% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $788 | $0 | $788 | 2.37% |
| GLEN A. SPIDELL4 | 2546 EAST 5TH AVENUE KNOXVILLE, TN 37914 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $642 | $0 | $642 | 1.93% |
| THE BALDWIN GROUP WEST LLC4 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $127 | $0 | $127 | 0.38% |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,446 | $11.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,667 | $185K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,596 | $920K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,596 | $920K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,596 | $920K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,600 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,446 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.