| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $64K | $0 | $64K | 5.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $6K | $0 | $6K | 12.29% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $0 | $2K | 5.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $5K | $0 | $5K | 12.36% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $2K | $0 | $2K | 5.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $4K | $0 | $4K | 12.74% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $0 | $1K | 5.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $3K | $0 | $3K | 12.33% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $0 | $1K | 5.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 9.97% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $990 | $0 | $990 | 14.37% |
| ELITE INSURANCE ASSOCIATES LLC3 Filed as: ELITE INSURANCE ASSOCIATES | 1710 SHADOWOOD LANE JACKSONVILLE, FL 32207 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $20 | $126 | 1.83% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $0 | $62 | 0.90% |
| BENJAMIN D ROBERTSON3 | 471 WEST 70TH STREET JACKSONVILLE, FL 32208 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $0 | $44 | 0.64% |
| CAPTURED MOMENTS BY KATE LLC3 | 8074 GATE PARKWAY WEST JACKSONVILLE, FL 32216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $6 | $41 | 0.60% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $1 | $18 | 0.26% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.07% |
| S & B INSURANCE SOLUTIONS LLC3 Filed as: S&B INSURANCE SOLUTIONS | 54210 SHERWOOD ROAD CALLAHAN, FL 32011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.06% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | USABLE LIFE | $325 | $0 | $325 | 12.24% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $134 | $0 | $134 | 5.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 DENTAL ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | — | $8K |
| BALDWIN KRYSTYN SHERMAN PARTNERS BROKER | Insurance agents and brokers Service code 22 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | $4K |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 118 | $17K |
| Life insurance | USABLE LIFE | 170 | $21K |
| Short-term disability | USABLE LIFE | 98 | $28K |
| Long-term disability | USABLE LIFE | 170 | $37K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 170 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.