| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | $10K | $13K | $23K | 0.91% |
| EXPLAIN MY BENEFITS LLC3 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $42K | $0 | $42K | 24.39% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN & SHERMAN | SUITE 2 9140 CORSEA DEL FONTANA WAY NAPLES, FL 34109 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.70% |
| DAVID D HOWES3 | 2461 STATE RD 426 STE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.43% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN ROAD SUITE200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.24% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 10.43% |
| 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 | $751 | $75 | $826 | 0.56% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.80% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 16.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS EIN 20-4102683 AGENT | Insurance agents and brokers Service code 22 | 4010 W BOYSCOUT BLVD TAMPA, FL 33607 | $88K |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 532 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 532 | $2.5M |
| Vision | AETNA LIFE INSURANCE CO. | 532 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 735 | $225K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 218 | $147K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 735 | $202K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 532 | $2.5M |
| Other(3 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 735 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 735 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.