| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | HEALTH OPTIONS | $37K | $0 | $37K | 3.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 491636 LEESBURG, FL 34749 | HEALTH OPTIONS | $0 | $0 | $0 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $11K | $0 | $11K | 3.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 491636 LEESBURG, FL 34749 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | $0 | $7K | 1.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 27883 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 8.10% |
| UNKNOWN3 | UNKNOWN SUMTERVILLE, FL 33585 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 1300 CITIZENS BOULEVARD, SUITE 100 LEESBURG, FL 34748 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.90% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 113 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $220K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $220K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $220K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $220K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 113 | $359K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.