| 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 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 327516145 | FLORIDA COMBINED LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 9140 CORSEA DEL FONTANA WAY BLDG 1 STE 200 NAPLES, FL 341094397 | FLORIDA COMBINED LIFE INSURANCE COMPANY INC | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 NONE | Contract Administrator Service code 13 | — | $471K |
| HEALTH OPTIONS INC EIN 59-2403696 NONE | Contract Administrator Service code 13 | — | $55K |
| BALDWIN KRYSTYN SHERMAN PARTNERS EIN 20-4102683 NONE | Insurance agents and brokers Service code 22 | — | $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 | 1,287 | 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) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | FLORIDA COMBINED LIFE INSURANCE COMPANY | 301 | $258K |
| Vision | COMPBENEFITS COMPANY | 432 | $67K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,287 | $449K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,260 | $266K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,287 | $184K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,260 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,287 | — |
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.