| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $59K | $59K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 2.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN INSURANCE GROUP LLC | 4010 W BOY SCOUT BLVD #200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.14% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075742 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $9K | $40K | 17.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD #200 TAMPA, FM 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.05% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 310 | $1.4M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $232K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 213 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $232K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $232K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $232K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 310 | $1.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.