| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | SUN LIFE ASSURANCE COMPANY OF CANADA | $98K | $7K | $105K | 15.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $14K | $39K | 9.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRNTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 FORT MYERS, FL 336075752 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $241K |
| BALDWIN KRYSTYN SHERMAN PRTNRS LLC EIN 20-4102683 BROKER | Other commissions Service code 55 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | $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 | 901 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $432K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 692 | $432K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 901 | $182K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 756 | $127K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 901 | $151K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 707 | $657K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 901 | $626K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 901 | — |
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.