| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALWIN KRYSTYN SHERMAN PARTNERS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $49K | — | $49K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 13.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4994 LOWER ROSWELLROAD SUITE 5 MARIETTA, GA 30068 | HUMANA INSURANCE COMPANY | — | $6K | $6K | 7.33% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HUMANA INSURANCE COMPANY | $904 | — | $904 | 1.16% |
| DONNNA GRIBBON CARRILLO3 | 130 WHITAKER RD STE A LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $3K | $822 | $4K | 6.34% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $1K | $274 | $1K | 2.11% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $435 | $52 | $487 | 0.76% |
| NICOLE ELISE STOKES3 | 8800 GRAND OAK CIR SUITE 670 TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $326 | $117 | $443 | 0.69% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $109 | $39 | $148 | 0.23% |
| DONNA GRIBBEN CARRILLO3 | 130 WHITAKER RD STE A LUTZ, FL 33549 | NORTHWESTERN MUTUAL | $2K | $451 | $2K | 6.57% |
| THERESA STONER ANNUNZIATA3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $596 | $150 | $746 | 2.19% |
| OCONNELL FNCL GRP INC3 | 1511 N WEST SHORE BLVD SUITE 800 TAMPA, FL 33607 | NORTHWESTERN MUTUAL | $238 | $29 | $267 | 0.78% |
| NICOLE ELISE STOKES3 | 8800 GRAND OAK CIR SUITE 670 TAMPA, FL 33637 | NORTHWESTERN MUTUAL | $179 | $64 | $243 | 0.71% |
| KACEE ELIZABETH HOWES3 | 700 CENTRAL AVE STE 300 ST PETERSBURG, FL 33701 | NORTHWESTERN MUTUAL | $59 | $21 | $80 | 0.23% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LI | AND VARIOUS OTHER AGENTS 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $183 | $1K | 13.64% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DR RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $32 | $320 | 3.02% |
| RONALD SADOFSKY3 | 14887 SEA MYRTLE LN HUDSON, FL 34667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.26% |
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 | 84 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 84 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 84 | $78K |
| Vision | HUMANA INSURANCE COMPANY | 84 | $78K |
| Life insurance | HUMANA INSURANCE COMPANY | 84 | $78K |
| Short-term disability | NORTHWESTERN MUTUAL | 79 | $34K |
| Long-term disability | NORTHWESTERN MUTUAL | 78 | $64K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 84 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.
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.