| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | HEALTH OPTIONS, INC. | $19K | — | $19K | 4.67% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC. | $1K | — | $1K | 0.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | BLUE CROSS BLUE SHIELD OF FLORIDA | $15K | — | $15K | 4.65% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | — | $1K | 0.35% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | FLORIDA COMBINED LIFE | $3K | — | $3K | 11.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $3K | — | $3K | 16.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $145 | — | $145 | 0.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $1K | — | $1K | 11.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $118 | — | $118 | 0.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 14.66% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43 | — | $43 | 0.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $2K | — | $2K | 23.69% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $90 | — | $90 | 0.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $964 | — | $964 | 11.49% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $78 | — | $78 | 0.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $554 | — | $554 | 18.58% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $28 | — | $28 | 0.94% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $76 | — | $76 | 11.67% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $6 | — | $6 | 0.92% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 42 | $735K |
| Dental | FLORIDA COMBINED LIFE | 73 | $28K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 83 | $11K |
| Life insurance(2 contracts) | USABLE LIFE | 115 | $21K |
| Short-term disability(2 contracts) | USABLE LIFE | 56 | $19K |
| Long-term disability | USABLE LIFE | 16 | $10K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 115 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.