| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BUILDING 110, SUITE 2 NAPLES, FL 34109 | HEALTH OPTIONS, INC | $31K | $0 | $31K | 3.76% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | HEALTH OPTIONS, INC | $10K | $0 | $10K | 1.24% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BUILDING 110, SUITE 2 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 3.85% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | BLUE CROSS BLUE SHIELD OF FLORIDA | $927 | $0 | $927 | 1.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BUILDING 110, SUITE 2 NAPLES, FL 34109 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 8.33% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | FLORIDA COMBINED LIFE | $897 | $0 | $897 | 1.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | USABLE LIFE | $2K | $0 | $2K | 6.07% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | USABLE LIFE | $477 | $0 | $477 | 1.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $861 | $0 | $861 | 7.52% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 111 CONGRESSIONAL BOULEVARD SUITE 100 CARMEL, IN 46032 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $285 | $0 | $285 | 2.49% |
| UNKNOWN3 | UNKNOWN FORT MEYERS, FL 33916 | TELADOC PHYSICIANS, P.A. | $508 | $0 | $508 | 15.72% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 112 | $904K |
| Dental | FLORIDA COMBINED LIFE | 134 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 105 | $11K |
| Life insurance | USABLE LIFE | 231 | $36K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 112 | $904K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 231 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.