| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33601 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF FLORIDA, INC. | $93K | — | $93K | 4.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 9.84% |
| 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 | $651 | $49 | $700 | 0.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 201O W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | FLORIDA COMBINED LIFE | $5K | — | $5K | 4.24% |
| FLORIDA BLUE3 Filed as: PHIL SCHMITT FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2.2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $858 | — | $858 | 0.73% |
| FLORIDA BLUE3 Filed as: SID ROBERSON FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $739 | — | $739 | 0.63% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 WEST BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS & BLUE SHIELD OF FLORIDA | $2K | — | $2K | 5.81% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.76% |
| DAVID D HOWES3 | 2461 STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 33.50% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN & SHERMAN | SUITE 2 9140 CORSEA DEL FONTANA WAY NAPLES, FL 34109 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.81% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $855 | — | $855 | 3.38% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $447 | — | $447 | 1.77% |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF FLORIDA, INC. | 261 | $2.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF FLORIDA, INC. | 261 | $2.2M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF FLORIDA, INC. | 297 | $2.1M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $28K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $120K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,487 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,487 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.