| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 9140 CORSEA DEL FONTANA WAY BUILDING 110, SUITE 2 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $124K | — | $124K | 3.34% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 2951 PDMN RD. NE STE 200 ATLANTA, GA 30305 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 5.80% |
| WATCHTOWER BENEFITS, LLC3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.50% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.51% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 336075752 | EYEMED VISION CARE | $4K | — | $4K | 9.30% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE #300 CHICAGO, IL 60654 | EYEMED VISION CARE | $470 | — | $470 | 1.16% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 226 | $3.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $280K |
| Vision | EYEMED VISION CARE | 354 | $40K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $280K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 430 | $280K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 226 | $3.7M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,335 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,335 | — |
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.