| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | UNITED HEALTHCARE INSURANCE COMPANY | — | $39K | $39K | 4.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $21K | 10.44% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| CHARLES D. BLOCK3 Filed as: CHARLES D BLOCK | 648 VILLAGE PARK DR UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $44 | $429 | 9.22% |
| JAMES H. VAN EPPS3 Filed as: JAMES H VAN EPPS | 10930 CRABAPPLE RD STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $385 | $7 | $392 | 8.43% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $330 | — | $330 | 7.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 3820 COLONIAL BLVD STE 200 FORT MEYERS, FL 33966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107 | — | $107 | 2.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | 3820 COLONIAL BLVD STE 200 FORT MYERS, FL 33966 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$18 | — | -$18 | -8.57% |
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 | 234 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 179 | $945K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $198K |
| Vision | VISION SERVICE PLAN | 124 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $198K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $198K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 179 | $945K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.