| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $192K | $192K | 5.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $23K | $1K | $25K | 15.66% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $12K | $563 | $13K | 15.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $10K | $461 | $11K | 15.67% |
| BKS PARTNERS3 | 4233 PABLO PROFESSIONAL COURT JACKSONVILLE, FL 32224 | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 ASO DENTAL | Other fees; Claims processing Service code 12 | — | $17K |
| BALDWIN KRYSTYN SHERMAN PARTNERS BROKER | Insurance agents and brokers; Other commissions Service code 22 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | $7K |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 544 | $3.6M |
| Vision | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | 563 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 358 | $157K |
| Short-term disability | STANDARD INSURANCE COMPANY | 154 | $81K |
| Long-term disability | STANDARD INSURANCE COMPANY | 176 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.