| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | — | $85K | 2.47% |
| 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 | — | $27K | $27K | 4.75% |
| SANDY BERKSHIRE4 | 12350 4TH STREET FORT MYERS, FL 33905 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $253 | — | $253 | 21.15% |
| EARNEST GANGL4 | 3442 MALAGA WAY NAPLES, FL 34105 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $17 | — | $17 | 1.42% |
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 | 418 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 595 | $3.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $559K |
| Vision | EYEMED VISION CARE | 457 | $28K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $559K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $559K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $559K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 595 | $3.4M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 437 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.