| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | ALTUS DENTAL INSURANCE COMPANY, INC | $9K | $0 | $9K | 10.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS AND GRAY INS. AGCY., INC. | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.25% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 410 UNIVERSTIY AVENUE WESTWOOD, MA 02090 | VISION SERVICES PLAN | $594 | $0 | $594 | 8.66% |
| ROGERSGRAY, INC.3 | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | VISION SERVICES PLAN | $3 | $0 | $3 | 0.04% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 168 | $85K |
| Vision | VISION SERVICES PLAN | 52 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $82K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.