| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JODY DAN BRYANT3 Filed as: JODY ROXBY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 4.16% |
| JODY DAN BRYANT3 Filed as: JODY ROXBY | 1215 E BUCKNELL AVE INVERNESS, FL 34450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 7.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.17% |
| JODY L ROXBY3 | 1215 E BUCKNELL AVE INVERNESS, FL 34450 | HUMANA INSURANCE COMPANY | $664 | $0 | $664 | 6.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $456 | $0 | $456 | 4.12% |
| GROUP INSURANCE MANAGEMENT SERVICES3 | PO BOX 2847 INVERNESS, FL 34451 | HUMANA INSURANCE COMPANY | $81 | $0 | $81 | 0.73% |
| JODY DAN BRYANT3 Filed as: JODY ROXBY | 1215 E BUCKNELL AVE INVERNESS, FL 34450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $280 | $0 | $280 | 7.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $74 | $0 | $74 | 2.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $64K |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 215 | $1.6M |
| Vision | HUMANA INSURANCE COMPANY | 212 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $48K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.