| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $79K | $93K | 5.38% |
| M L GLISSON & ASSOCIATES INC.3 | 11161 E STATE ROAD 70 SUITE 110-144 LAKEWOOD RANCH, FL 34202 | UNITEDHEALTHCARE INSURANCE COMPANY | $6 | $155 | $161 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 5.00% |
| M L GLISSON & ASSOCIATES INC.3 | 11161 E STATE ROAD 70 SUITE 110-144 LAKEWOOD RANCH, FL 34202 | UNITEDHEALTHCARE INSURANCE COMPANY | -$14 | $0 | -$14 | -0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 14.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $615 | $6K | 5.55% |
| M L GLISSON & ASSOCIATES INC.3 | 9080 58TH DRIVE EAST #200 BRADENTON, FL 34202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| M L GLISSON & ASSOCIATES INC.3 | 9080 58TH DRIVE EAST #200 BRADENTON, FL 34202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $353 | $46 | $399 | 5.65% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $1.9M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $1.9M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 541 | $1.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 278 | $63K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 271 | $111K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 278 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.