| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $108K | $0 | $108K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 201O W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 4.97% |
| FLORIDA BLUE3 Filed as: PHIL SCHMITT FLORIDA BLUE | 4800 DEERWOOD CAMPUS PKWY # DC2.2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $1K | $0 | $1K | 0.78% |
| FLORIDA BLUE3 Filed as: SID ROBERSON FLORIDA BLUE | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $251 | $0 | $251 | 0.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 9.70% |
| 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 | $603 | $45 | $648 | 0.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.28% |
| 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 | $4K | $0 | $4K | 10.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $50K | $0 | $50K | — |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN & SHERMAN | SUITE 2 9140 CORSEA DEL FONTANA WAY NAPLES, FL 34109 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | $0 | $23K | — |
| DAVID D HOWES3 | 2461 STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | — |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | — |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 342 | $2.7M |
| Dental | FLORIDA COMBINED LIFE | 340 | $132K |
| Vision | BLUE CROSS & BLUE SHIELD OF FLORIDA | 343 | $38K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 172 | $122K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $186K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 342 | $2.7M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.