| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 327516145 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 372516145 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 5.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 5.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTN SHERMAN PARTNERS | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $869 | $869 | 2.49% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 12.71% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 850 CONCOURSE PKWY S SUITE 200 MAITLAND, FL 32751 | UNION SECURITY INSURANCE COMPANY | $751 | — | $751 | 6.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: BB&T INSURACE SERVICES INC | PO BOX 4927 ORLANDO, FL 328024927 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $451 | — | $451 | 10.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $955K |
| Dental(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 138 | $81K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $38K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $56K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $48K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $46K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 94 | $955K |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.