| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 1.55% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $57 | $5K | 0.52% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | -$414 | $1K | $888 | 0.09% |
| UTIC INSURANCE COMPANY3 | 450 RIVERCHASE PARKWAY EAST BIRMINGHAM, AL 35244 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 1.24% |
| BKS PARTNERS3 | 2100 3RD AVENUE NORTH SUITE 410 BIRMINGHAM, AL 35203 | TELADOC | $3K | — | $3K | 15.00% |
| SECURA CONSULTANTS LLC3 Filed as: SECURA CONSULTANTS | 6465 WAYZATA BOULEVARD SUITE 92 MINNEAPOLIS, MN 55426 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.75% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $767 | — | $767 | 4.26% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $953K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $953K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $953K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $953K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $971K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 170 | $575K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.