| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $25K | — | $25K | 3.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12485 28TH ST N FL 2 SAINT PETERSBURG, FL 33716 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 0.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | HEALTH OPTIONS | $21K | — | $21K | 4.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 12485 28TH ST N FL 2 SAINT PETERSBURG, FL 33716 | HEALTH OPTIONS | $2K | — | $2K | 0.39% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 9.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $761 | $761 | 1.62% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $703 | $703 | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 0.80% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $675 | $675 | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $279 | — | $279 | 1.16% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $570 | $570 | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $148 | — | $148 | 0.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 13.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $277 | $277 | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 | NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $165 | — | $165 | 1.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $634 | — | $634 | 9.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $221 | $221 | 3.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $56 | — | $56 | 0.81% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $963 | — | $963 | 18.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 1.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $77 | — | $77 | 1.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $718 | — | $718 | 13.81% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $121 | $121 | 2.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62 | — | $62 | 1.19% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $402 | — | $402 | 9.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $107 | $107 | 2.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36 | — | $36 | 0.82% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | — | $414 | 13.76% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $40 | $40 | 1.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 1 NORTH DALE MABRY HWY STE 1008 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37 | — | $37 | 1.23% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $1.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $47K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $28K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 39 | $1.1M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.