| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $174K | $3K | $176K | 12.17% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $124K | — | $124K | 8.57% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 5.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 4.99% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK. SUITE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL INSURANCE COMPANY | $5K | — | $5K | 4.89% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES INC. | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | BOSTON MUTUAL INSURANCE COMPANY | $4K | — | $4K | 4.35% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS | 155 N. WACKER DRIVE SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL INSURANCE COMPANY | $223 | — | $223 | 0.23% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $822 | — | $822 | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $822 | — | $822 | 5.00% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOC INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $777 | — | $777 | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $777 | — | $777 | 5.00% |
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 | 1,741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,365 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,365 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,365 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,703 | $329K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 623 | $207K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,365 | $1.4M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,703 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,703 | — |
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.