| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | BLUE CROSS BLUE SHIELD OF FLORIDA | $75K | $0 | $75K | 3.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | HEALTH OPTIONS, INC. | $50K | $0 | $50K | 3.19% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 2.59% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 E EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 3.36% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $5K | $48K | 20.59% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.37% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP INC | 5550 W EXECUTIVE DRIVE SUITE 500 TAMPA, FL 33609 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $202 | $3K | 12.76% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $188 | $2K | 9.74% |
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 | 245 | 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) | 245 | 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 | 124 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 501 | $234K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 199 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $258K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 247 | $248K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 124 | $3.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.