| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | HUMANA | $49K | $0 | $49K | 4.56% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | HUMANA | $10K | $0 | $10K | 0.93% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 13.77% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.23% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 13.71% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.29% |
| ANDREW RADER3 Filed as: ANDREW MANN | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $13K | $0 | $13K | 15.86% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 13.73% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.61% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | $0 | $735 | 1.27% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.74% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $699 | $699 | 4.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $203 | $0 | $203 | 1.26% |
| TRINITY BENEFIT ADVISORS, INC.3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.65% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS, INC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $524 | $524 | 3.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $206 | $0 | $206 | 1.35% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA | 319 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 319 | $82K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 108 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $173K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
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.