| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOYSCOUT BLVD #900 TAMPA, TN 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 6.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $8K | 14.27% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | HEALTH OPTIONS, INC. | $312 | — | $312 | 2.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $118 | — | $118 | 2.50% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 108 | $177K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $58K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $58K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 87 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
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.