| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | $0 | $14K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $6K | $0 | $6K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 6.44% |
| HYLANT GROUP INC3 | 1025 GREENWOOD BLVD SUITE 285 LAKE MARY, FL 32746 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.56% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | USABLE LIFE | $1K | $0 | $1K | 9.93% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | USABLE LIFE | $602 | $0 | $602 | 4.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | USABLE LIFE | $783 | $0 | $783 | 9.58% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | USABLE LIFE | $338 | $0 | $338 | 4.14% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | USABLE LIFE | $591 | $0 | $591 | 9.35% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | USABLE LIFE | $316 | $0 | $316 | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | USABLE LIFE | $510 | $0 | $510 | 9.74% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | USABLE LIFE | $231 | $0 | $231 | 4.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $715 | $0 | $715 | 14.64% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $406 | $79 | $485 | 9.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | $0 | $384 | 15.10% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $226 | $56 | $282 | 11.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | USABLE LIFE | $102 | $0 | $102 | 9.07% |
| HYLANT GROUP INC3 | 811 MADISON AVE TOLEDO, OH 43604 | USABLE LIFE | $62 | $0 | $62 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 FSA ADMINISTRATOR | Claims processing Service code 12 | — | $1K |
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 | 131 | 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) | 131 | 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 | 33 | $397K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 135 | $43K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 135 | $43K |
| Life insurance | USABLE LIFE | 123 | $8K |
| Short-term disability | USABLE LIFE | 18 | $15K |
| Long-term disability | USABLE LIFE | 13 | $5K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 33 | $397K |
| Other(5 contracts, 2 carriers) | USABLE LIFE | 123 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.