| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $4K | $17K | 19.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 18.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 18.82% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $668 | $3K | 19.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 27.77% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 WEST BOY SCOUT BVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $806 | $0 | $806 | 12.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $642 | $0 | $642 | 21.91% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $392 | $0 | $392 | 15.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | $0 | $359 | 37.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | $0 | $86 | 9.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | $0 | $116 | 12.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $294 | $0 | $294 | 51.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | $0 | $180 | 31.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 12.98% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 11.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 17.15% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 5.24% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 20.10% |
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 | 717 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 478 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 664 | $274K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 664 | $274K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 717 | $85K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $30K |
| Other(15 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 717 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.