| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | — | BERKLEY LIFE AND HEALTH INSURANCE CO | $40K | $25K | $65K | 13.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD TAMPA, FL 33607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 12.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 6.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $148K |
| BALDWIN KRYSTYN SHERMAN PARTNERS EIN 20-4102683 BROKER | Insurance agents and brokers; Other commissions Service code 22 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | $31K |
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 TPA | Claims processing Service code 12 | — | $14K |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 388 | $120K |
| Vision | VISION SERVICE PLAN | 189 | $21K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $174K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $174K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $174K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 0 | $500K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 307 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.