| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | — | DELTA DENTAL INSURANCE COMPANY | $10K | — | $10K | 4.99% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | — | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 4.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | — | DELTA DENTAL INSURANCE COMPANY | $9K | — | $9K | 4.46% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | — | DELTA DENTAL INSURANCE COMPANY | $2K | — | $2K | 0.94% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, L | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.28% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.54% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.86% |
| NATIONAL AGENCY SOLUTIONS LLC3 Filed as: NATIONAL AGENCY SOLUTIONS, LLC | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $10K | — | $10K | 9.99% |
| BALWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $8K | — | $8K | 7.99% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | 9211 NW 18TH ST CORAL SPRINGS, FL 33071 | AFLAC | $16K | $4K | $19K | 32.35% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | FIRST STOP HEALTH | $5K | — | $5K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W. BOY SCOUT BLVD. #200 TAMPA, FL 33607 | EYEMED VISION CARE | $2K | — | $2K | 9.12% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 204 | $102K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 290 | $196K |
| Vision | EYEMED VISION CARE | 371 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $291K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $177K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 304 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.