| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $86K | $110K | 3.79% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SAHERMAN PARTNERS | 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $2 | $2 | 0.00% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.20% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $14K | — | $14K | 9.99% |
| BALWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.98% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.46% |
| BKS PARTNERS3 Filed as: BKS PARTNERS OF TAMPA, FL | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | FIRST STOP HEALTH | $3K | — | $3K | 10.00% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 491 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 491 | $2.9M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 491 | $2.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $269K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $154K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 350 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.