| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $24K | — | $24K | 3.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | HEALTH OPTIONS, INC. | $9K | — | $9K | 3.19% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 336075757 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.66% |
| WATCHTOWER BENEFITS, LLC3 | 306 W. ERIE ST. STE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.38% |
| AGENT ALLIANCE CORPORATION3 Filed as: NO AGENT LISTED | — | TELADOC HEALTH MEDICAL GROUP, P.A. | $301 | — | $301 | 6.24% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $968K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $131K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $131K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $131K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $131K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $131K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 56 | $968K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
No prospect flags tripped on this filing.