| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE3 Filed as: SCOTT INC | 3151 MAIN ST STRATFORD, CT 066144815 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.32% |
| SCOTT INSURANCE3 Filed as: SCOTT INC | 3151 MAIN ST STRATFORD, CT 066144815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.81% |
| SCOTT INSURANCE3 | 3151 MAIN ST STRATFORD, CT 066144815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.29% |
| SCOTT INSURANCE3 Filed as: SCOTT INC | 3151 MAIN ST STRATFORD, CT 066144815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.75% |
| SCOTT INSURANCE3 Filed as: SCOTT INC | 3151 MAIN ST STRATFORD, CT 066144815 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $581 | $0 | $581 | 1.07% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 47.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 TPA | Claims processing Service code 12 | — | $332K |
| METLIFE GROUP BENEFITS EIN 13-5581829 CLAIMS PROCESSING | Claims processing Service code 12 | — | $9K |
| AMWINSRX EIN 05-0461576 TPA | Claims processing Service code 12 | — | $6K |
| DIVERSIFIED BENEFIT SERVICES EIN 39-1695622 TPA | Claims processing Service code 12 | — | $2K |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $386K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 837 | $386K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $91K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 507 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 837 | — |
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.