| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $47K | $47K | 5.07% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC | 9007 BRITTANY WAY TAMPA, FL 33619 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC5 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.54% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC | 9007 BRITTANY WAY TAMPA, FL 33619 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $216 | $0 | $216 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $108 | $0 | $108 | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $65 | $65 | 3.01% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 58 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $931K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $81K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $81K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $27K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.