| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $72K | $0 | $72K | 10.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN K. SHERMAN PARTNERS, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 8.59% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN K. SHERMAN PARTNERS, LLC | PO BOX 11310 CHATTANOOGA, TN 37401 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 5.00% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $688 | $0 | $688 | 8.64% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $511 | $0 | $511 | 6.41% |
| LAUREN KNOX4 | 313 BAXTERS BAY STREET NORTH LAS VEGAS, NV 89084 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $236 | $0 | $236 | 2.96% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $696K |
| Dental | DELTA DENTAL OF TENNESSEE | 312 | $121K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $696K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $217K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $217K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $217K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $696K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.