| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTEN SHERMAN PARNTERS | 1277 KENSINGTON DR KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.35% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1277 KENSINGTON DR KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 1277 KENSINGTON DR KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $687 | $687 | 2.51% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 1277 KENSINGTON DR KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $181 | $181 | 2.46% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 1277 KENSINGTON DR KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $165 | $165 | 2.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Claims processing; Participant communication; Contract Administrator; Non-monetary compensation; Other services; Named fiduciary; Float revenue Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $44K |
| CIGNA HEALTH & LIFE COMPANY | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan; Non-monetary compensation; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA GROUP INSURANCE | 439 | $862K |
| Dental | CIGNA GROUP INSURANCE | 439 | $862K |
| Vision | CIGNA GROUP INSURANCE | 439 | $862K |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $99K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $90K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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."
No prospect flags tripped on this filing.