| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLAS FINANCIAL SERVICES, INC.3 Filed as: ATLAS FINANCIAL SERVICES INC | 7120 BENEVA ROAD SARASOTA, FL 34238 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $52K | $52K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 336075752 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 1.00% |
| ATLAS FINANCIAL SERVICES, INC.3 Filed as: ATLAS FINANCIAL SERVICES | 7120 S BENEVA RD SARASOTA, FL 34238 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 8.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOYSCOUT BLVD STE 800 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.69% |
| ATLAS FINANCIAL SERVICES, INC.3 Filed as: ATLAS FINANCIAL SERVICES INC | 7120 S BENEVA RD SARASOTA, FL 34238 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.51% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.49% |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 19.41% |
| ATLAS FINANCIAL SERVICES, INC.3 Filed as: ATLAS FINANCIAL SERVICES | 7120 BENEVA ROAD SARASOTA, FL 34238 | FIRST STOP HEALTH | $672 | — | $672 | 5.06% |
| ATLAS FINANCIAL SERVICES, INC.3 Filed as: ATLAS FINANCIAL SERVICES | 7120 S BENEVA RD SARASOTA, FL 34238 | METROPOLITAN LIFE INSURANCE COMPANY | $850 | — | $850 | 8.49% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $76 | — | $76 | 0.76% |
| TODD HALL4 | 5450 BRUCE B DOWNS BLVD WESLEY CHAPEL, FL 33544 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 17.32% |
| ATLAS FINANCIAL SERVICES, INC.4 Filed as: ATLAS FINANCIAL SERVICES | 7120 BENEVA RD SARASOTA, FL 34238 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $383 | — | $383 | 5.74% |
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) | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $1.0M |
| Dental | STANDARD INSURANCE COMPANY | 120 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $10K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 178 | $105K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $105K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $105K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 178 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.