| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 11 NAPLES, FL 34109 | HEALTH OPTIONS | $48K | — | $48K | 5.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 336075752 | USABLE LIFE | $4K | — | $4K | 6.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET SUITE 234 POENIX, AZ 850182151 | USABLE LIFE | $124 | — | $124 | 0.19% |
| FLORIDA BLUE3 Filed as: MATTHEW STAPLES/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $37 | — | $37 | 0.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | FLORIDA COMBINED LIFE | $6K | — | $6K | 9.93% |
| FLORIDA BLUE3 Filed as: MATTHEW ATAPLES/FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $330 | — | $330 | 0.54% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 11 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 11 NAPLES, FL 34109 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 240 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 137 | $1.0M |
| Dental | FLORIDA COMBINED LIFE | 144 | $61K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 108 | $11K |
| Life insurance | USABLE LIFE | 240 | $65K |
| Other | USABLE LIFE | 240 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.