| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA MEDICAL PLAN, INC. | $49K | — | $49K | 5.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA MEDICAL PLAN, INC. | — | $955 | $955 | 0.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $10K | — | $10K | 5.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | — | $137 | $137 | 0.08% |
| BALDWIN KRYSTIN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $13K | — | $13K | 10.46% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA INSURANCE COMPANY | — | $828 | $828 | 0.68% |
| DONNA GRIBBEN CARRILLO3 | 130 WHITAKER ROAD SUITE A LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $3K | $758 | $4K | 5.34% |
| DONNA GRIBBEN CARRILLO3 | 130 WHITAKER ROAD SUITE A LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $2K | $425 | $2K | 3.00% |
| THERESA STONER ANNUNZIATA3 Filed as: THERESA STONER ANNUZIATA | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $253 | $1K | 1.78% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $401 | $48 | $449 | 0.64% |
| NICOLE ELISE STOKES3 | 8800 GRAND OAK CIRCLE SUITE 670 TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $301 | $108 | $409 | 0.58% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $50 | $18 | $68 | 0.10% |
| HOLLEE ANN KIER3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $50 | $18 | $68 | 0.10% |
| DONNA GRIBBEN CARRILLO3 | 130 WHITAKER ROAD SUITE A LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $2K | $425 | $2K | 4.98% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $563 | $142 | $705 | 1.66% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BOULEVARD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $225 | $27 | $252 | 0.59% |
| NICOLE ELISE STOKES3 | 8800 GRAND OAK CIRCLE SUITE 670 TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $169 | $61 | $230 | 0.54% |
| HOLLEE ANN KIER3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $39 | $14 | $53 | 0.12% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVENUE SUITE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $18 | $6 | $24 | 0.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTIN SHERMAN PARTNERS LI | 4211 W BOY SCOUT BOULEVARD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.20% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON BENEFIT SOULTIONS | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $656 | $104 | $760 | 5.68% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $584 | $144 | $728 | 5.44% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE STREET ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | $196 | $395 | 2.95% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $72 | $297 | 2.22% |
| RONALD SADOFSKY3 | 7550 NOTRE DAME DRIVE NEWPORT RICHEY, FL 34653 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.40% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.15% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 76 | $1.0M |
| Dental | HUMANA INSURANCE COMPANY | 100 | $121K |
| Vision | HUMANA INSURANCE COMPANY | 100 | $121K |
| Life insurance | HUMANA INSURANCE COMPANY | 100 | $121K |
| Short-term disability | NORTHWESTERN MUTUAL | 95 | $42K |
| Long-term disability | NORTHWESTERN MUTUAL | 94 | $70K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 100 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
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.