| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH KRYSTYN3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $59K | — | $59K | 3.88% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33601 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $38K | — | $38K | 2.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | -$22K | — | -$22K | -1.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | AMERITAS LIFE INSURANCE CORP | $12K | $3K | $15K | 11.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE RD NE STE 250 ATLANTA, GA 303052430 | AMERITAS LIFE INSURANCE CORP | $1K | — | $1K | 0.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.65% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - ATLAN | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.25% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.46% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - ATLAN | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.71% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33534 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 30.00% |
| DAVID D HOWES3 | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | -$19 | — | -$19 | -0.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33534 | TRUSTMARK INSURANCE COMPANY | $3K | — | $3K | 19.50% |
| DAVID D HOWES3 | 2401 WILLOW DROP WAY OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | -$8 | — | -$8 | -0.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.74% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - ATLAN | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 303741738 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $198 | — | $198 | 1.44% |
| DAVID D HOWES3 | 2461 STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 59.84% |
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 | 664 | 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) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 300 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 501 | $130K |
| Vision | AMERITAS LIFE INSURANCE CORP | 501 | $130K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 664 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $90K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 664 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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.