| 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 | $59K | $0 | $59K | 3.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | BLUE CROSS BLUE SHIELD OF FLORIDA | $39K | $0 | $39K | 3.50% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 E EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 3.90% |
| 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 | 0.54% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 3.38% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $190 | $2K | 9.66% |
| JOHNNY R ADCOCK CLU ASSOC3 | 311 W FLETCHER AVE TAMPA, FL 336123414 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 6.14% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY 2-125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $170 | $0 | $170 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 ASO | Claims processing Service code 12 | — | $12K |
| ADCOCK FINANCIAL BROKER | Insurance agents and brokers Service code 22 | 311 W FLETCHER AVE TAMPA, FL 33612 | $6K |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 112 | $1.7M |
| Vision | STANDARD INSURANCE COMPANY | 118 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $162K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $186K |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 112 | $2.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 214 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.