| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 336075752 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $60K | $60K | 5.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOYSCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 10.35% |
| 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 | $8K | $6K | $15K | 7.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $499 | $5K | 20.48% |
| 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 | $1K | $879 | $2K | 8.17% |
| 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 | $295 | $3K | 20.56% |
| 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 | $663 | $513 | $1K | 8.20% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BOULEVARD TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $991 | — | $991 | 10.87% |
| TODD HALL4 | 5450 BRUCE B DOWNS BLVD WESLEY CHAPEL, FL 33544 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $736 | — | $736 | 11.41% |
| ATLAS FINANCIAL SERVICES, INC.4 Filed as: ATLAS FINANCIAL SERVICES | 7120 BENEVA RD SARASOTA, FL 34238 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $277 | — | $277 | 4.29% |
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 | 176 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $1.2M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $219K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 171 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $194K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $194K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $194K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.