| 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. | $69K | $0 | $69K | 4.99% |
| LUDOVINO DIAZ3 | 26 CENTURY BOULEVARD, SUITE 301 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6 | $0 | $6 | 0.00% |
| CHILD HEALTH CORP OF AMERICA3 Filed as: CHILD HEALTH CORP. OF AMERICA | 16011 COLLEGE BOULEVARD, SUITE 250 LENEXA, KS 66219 | HARTFORD LIFE AND ACCIDENT | $51K | $12K | $63K | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $0 | $30K | $30K | 2.54% |
| 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 | $68K | $0 | $68K | 20.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTRS., LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.08% |
| CROUSE COMPANY LLC4 | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 6.52% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | $0 | $1K | 2.94% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS TOWERS WATSON SE, INC. | 265 BROOKVIEW CENTRE WAY, SUITE 505 KNOXVILLE, TN 37919 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $677 | $0 | $677 | 1.98% |
| 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 | $654 | $0 | $654 | 1.91% |
| GLEN A. SPIDELL4 | 2546 EAST 5TH AVENUE KNOXVILLE, TN 37914 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $577 | $0 | $577 | 1.69% |
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 | 1,717 | 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) | 1,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,666 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,921 | $200K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,717 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,717 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,717 | $1.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,717 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,666 | — |
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.