| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTER & ASSOCIATES INC3 | PO BOX 10657 TAMPA, FL 33679 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | $0 | $22K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | $0 | $22K | 23.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $5K | $0 | $5K | 5.00% |
| JUSTER & ASSOCIATES INC3 | PO BOX 10657 TAMPA, FL 33679 | HEALTH OPTIONS, INC. | $5K | $0 | $5K | 5.00% |
| JUSTER & ASSOCIATES INC3 | 4830 W KENNEDY BLVD SUITE 130 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.71% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.61% |
| KRIEGER HOLDINGS DBA JUSTER & ASSOC3 Filed as: KRIEGER HOLDINGS LLC DBA JUSTE | 4890 W KENNEDY BLVD SUITE 890 TAMPA, FL 33609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221 | $0 | $221 | 0.30% |
| DAVIS II COMPANIES LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | $0 | $20 | 0.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $725 | $0 | $725 | 7.00% |
| JUSTER & ASSOCIATES INC3 | 4890 W KENNEDY BLVD SUITE 840 TAMPA, FL 33609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $690 | $0 | $690 | 6.66% |
| KRIEGER HOLDINGS DBA JUSTER & ASSOC3 | 4890 W KENNEDY BLVD SUITE 840 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $768 | $0 | $768 | 8.16% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $759 | $0 | $759 | 8.06% |
| JUSTER & ASSOCIATES INC3 | PO BOX 10657 TAMPA, FL 33679 | FLORIDA COMBINED LIFE | $369 | $0 | $369 | 8.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | FLORIDA COMBINED LIFE | $207 | $0 | $207 | 4.85% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 85 | $713K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $75K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $14K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 33 | $10K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 80 | $433K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 99 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.