| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | HEALTH OPTIONS, INC | $53K | $0 | $53K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | BLUECROSS BLUESHIELD OF FLORIDA | $47K | $0 | $47K | 4.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 6.24% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.28% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | USABLE LIFE | $9K | $0 | $9K | 13.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY SUITE DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $612 | $0 | $612 | 0.98% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4233 PABLO PROFESSIONAL COURT SUITE 200 JACKSONVILLE, FL 32224 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.12% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 9.36% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN, KRYSTYN AND SHERMAN PTNRS. | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA INSURANCE COMPANY | $0 | $252 | $252 | 1.36% |
No Schedule C service providers reported on this filing.
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 177 | $2.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 455 | $148K |
| Vision | HUMANA INSURANCE COMPANY | 294 | $19K |
| Life insurance | USABLE LIFE | 292 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $106K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 129 | $106K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 177 | $2.5M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 292 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.