| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | HEALTH OPTIONS, INC. | $19K | — | $19K | 3.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | HEALTH OPTIONS, INC. | $11K | — | $11K | 1.84% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 2.96% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | — | $3K | 2.04% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 7.71% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W. BOY SCOUT BLVD. SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.88% |
| JAMES F. TULLIS & ASSOCIATES, INC.3 | 1645 SAN MARCO BLVD JACKSONVILLE, FL 32207 | METROPOLITAN LIFE INSURANCE COMPANY | $695 | — | $695 | — |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 76 | $758K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 76 | $758K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.