| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $154K | $0 | $154K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 0.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | $1K | $0 | $1K | 0.35% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 10.82% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | FLORIDA COMBINED LIFE | $4K | $0 | $4K | 3.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 10.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 15.05% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 24.42% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 17.22% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.86% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 49.04% |
| EXPLAIN MY BENEFITS LLC3 | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $992 | $0 | $992 | 10.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $662 | $0 | $662 | 7.32% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $349 | $0 | $349 | 3.86% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.59% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $473 | $0 | $473 | 6.12% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | $0 | $71 | 0.92% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $813 | $0 | $813 | 10.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $779 | $0 | $779 | 10.23% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | $0 | $276 | 3.62% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $862 | $0 | $862 | 13.28% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $647 | $0 | $647 | 9.97% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $299 | $0 | $299 | 4.61% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.23% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $760 | $0 | $760 | 11.79% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $528 | $0 | $528 | 8.19% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $190 | $0 | $190 | 2.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 26.68% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 25.57% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $574 | $0 | $574 | 9.97% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.19% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $796 | $0 | $796 | 13.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $587 | $0 | $587 | 10.21% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $271 | $0 | $271 | 4.71% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.23% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $914 | $0 | $914 | 18.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $619 | $0 | $619 | 12.38% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $335 | $0 | $335 | 6.70% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $714 | $0 | $714 | 14.80% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $555 | $0 | $555 | 11.50% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $210 | $0 | $210 | 4.35% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.15% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $618 | $0 | $618 | 13.57% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $458 | $0 | $458 | 10.06% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $209 | $0 | $209 | 4.59% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.29% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $365 | $0 | $365 | 8.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | $0 | $346 | 7.90% |
| BROOME AGENCY INC3 | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148 | $0 | $148 | 3.38% |
| RICH HOWES INSURANCE INC3 | 3361 ROUSE ROAD SUITE 115 ORLANDO, FL 32817 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $774 | $0 | $774 | 18.74% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $527 | $0 | $527 | 12.76% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | $0 | $175 | 4.24% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $598 | $0 | $598 | 18.81% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | $0 | $518 | 16.29% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | $0 | $194 | 6.10% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $506 | $0 | $506 | 20.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $355 | $0 | $355 | 14.49% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $181 | $0 | $181 | 7.39% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $418 | $0 | $418 | 24.44% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $323 | $0 | $323 | 18.89% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | $0 | $135 | 7.89% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 12.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $400 | $0 | $400 | 71.30% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2462 W STATE ROAD OVIEDO, FL 32765 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $284 | $0 | $284 | 71.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | $0 | $231 | 58.48% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | $0 | $91 | 23.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | $0 | $258 | 86.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 59.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 65.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | $0 | $81 | 61.36% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | $0 | $82 | 63.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 68.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 100.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 60.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS BROKER | Insurance agents and brokers Service code 22 | 4010 W BOYSCOUT BLVD TAMPA, FL 33607 | $25K |
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 | 1,370 | 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) | 1,370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 548 | $4.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 548 | $537K |
| Vision | AETNA LIFE INSURANCE CO. | 548 | $412K |
| Life insurance(24 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $234K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 205 | $140K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $248K |
| Other(29 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,370 | $354K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.