| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | — | $72K | 7.52% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INS. SOLUTIONS | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 2.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN LLC | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 7.37% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INS. SOLUTIONS | 2910 BAY TO BAY BLVD TAMPA, FL 33629 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 10.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DRIVE STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 1.68% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 2910 W BAY TO BAY BLVD TAMPA, FL 33629 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $493 | — | $493 | 7.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN P | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $462 | — | $462 | 7.37% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN P | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $442 | — | $442 | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 MEDICAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $66K |
| CIGNA | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $1 |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $960K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $161K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $122K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $122K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.