| 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 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $96K | — | $96K | 2.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHARMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $18K | $81K | $99K | 90.17% |
| SANDY BERKSHIRE4 | 12350 4TH STREET FORT MYERS, FL 33905 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $504 | — | $504 | 15.26% |
| EARNEST GANGL4 | 3442 MALAGA WAY NAPLES, FL 34105 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $42 | — | $42 | 1.27% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 375 | 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 | 372 | $4.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $414K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $414K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $414K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $414K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 372 | $4.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 372 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.