| 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. | $925 | $0 | $925 | 0.24% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $393 | $0 | $393 | 10.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $378 | $0 | $378 | 31.74% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | $0 | $53 | 15.06% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | $0 | $90 | 38.30% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 25.53% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 15.32% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | $0 | $39 | 26.71% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | $0 | $26 | 17.81% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 6.16% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 23.85% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 16.15% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 6.92% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | $0 | $35 | 29.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 20.00% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 9.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 29.63% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 19.75% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 18.52% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 18.52% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | $0 | $17 | 23.61% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 16.67% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 6.94% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 22.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 15.71% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 7.14% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 25.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 16.36% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 7.27% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 23.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 15.38% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 7.69% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 23.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 15.79% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 5.26% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 23.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 15.79% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 7.89% |
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 | 618 | 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) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 627 | $389K |
| Dental | AETNA LIFE INSURANCE CO. | 627 | $389K |
| Vision | AETNA LIFE INSURANCE CO. | 627 | $389K |
| Life insurance(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $604 |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $4K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $4K |
| Other(13 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
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.