| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.52% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 16.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.51% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $32 | $2K | 5.61% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.28% |
| THE CHESHIRE GROUP INC3 | 6445 WESTCHESTER PL CUMMING, GA 30040 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.17% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $673 | $673 | 2.45% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $296 | $0 | $296 | 1.08% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 2290 HUNTINGTON DRIVE #200 SAN MARINO, CA 91108 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $39 | $2K | 7.44% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
| THE CHESHIRE GROUP INC3 | 6445 WESTCHESTER PLACE CUMMING, GA 30040 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.96% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.91% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $732 | $732 | 2.70% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $617 | $0 | $617 | 2.27% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES DBA PRE | 2290 HUNTINGTON DRIVE #200 SAN MARINO, CA 91108 | METROPOLITAN LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.15% |
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PKWY SUITE 200 JOHNS CREEK, GA 30022 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 856.54% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 119.66% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | -$167 | $0 | -$167 | -6.70% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $469K |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $469K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $469K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $469K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $469K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.