| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $44K | $0 | $44K | 5.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.96% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.22% |
| BKS PARTNERS3 | 4233 PABLO PROFESSIONAL COURT JACKSONVILLE, FL 32224 | EYEMED | $1K | $0 | $1K | 8.41% |
| MONTOYA AND ASSOCIATES LLC3 Filed as: MONTOYA & ASSOCIATES | 4233 PABLO PROFESSIONAL CT STE 201 JACKSONVILLE, FL 32224 | EYEMED | $239 | $0 | $239 | 1.60% |
| MAXWELL HEALTH3 | 101 TREMONT ST FL 11 BOSTON, MA 02108 | EYEMED | $149 | $0 | $149 | 1.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | BLUE CROSS BLUE SHIELD OF FLORIDA | $30K | $0 | $30K | — |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $867K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 415 | $89K |
| Vision | EYEMED | 266 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $73K |
| Short-term disability | THE LINCOLN FINANCIAL LIFE INSURANCE COMPANY | 186 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 185 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 139 | $867K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.