| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 2.99% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $389 | $4K | 0.22% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.75% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 12.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $530 | $3K | 4.75% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $434 | $2K | 5.88% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | PRINCIPAL LIFE INSURANCE COMPANY | $419 | $0 | $419 | 1.19% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BLVD SUITE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $108 | $108 | 0.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $308 | $2K | 4.87% |
| CHOICE BENEFITS INC3 | 715 S US HWY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $788 | $0 | $788 | 2.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $217 | $1K | 4.59% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $614 | $0 | $614 | 2.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $593 | $79 | $672 | 4.43% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | $0 | $291 | 1.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.27% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $482 | $83 | $565 | 4.77% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $323 | $0 | $323 | 2.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $402 | $0 | $402 | 12.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $119 | $21 | $140 | 4.51% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61 | $0 | $61 | 1.96% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $113K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $64K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.