| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 336075752 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $71K | $71K | 6.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN INSURANCE GROUP LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $701 | $701 | 0.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOYSCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 10.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 2.97% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W. ERIE ST. STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 19.86% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $462 | $303 | $765 | 2.76% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W. ERIE ST. STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $274 | — | $274 | 0.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $280 | $186 | $466 | 2.72% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W. ERIE ST. STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $170 | — | $170 | 0.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $997 | — | $997 | 9.98% |
| L & W INSURANCE INC3 Filed as: L&W INSURANCE INC. | PO BOX 918 DOVER, DE 19903 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | — | $10 | 0.10% |
| TODD HALL4 | 5450 BRUCE B DOWNS BLVD WESLEY CHAPEL, FL 33544 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $540 | — | $540 | 10.42% |
| ATLAS FINANCIAL SERVICES, INC.4 Filed as: ATLAS FINANCIAL SERVICES | 7120 BENEVA RD SARASOTA, FL 34238 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $171 | — | $171 | 3.30% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $202K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 172 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $202K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $202K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $202K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.