| 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 | $70K | $0 | $70K | 3.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | HEALTH OPTIONS, INC. | $48K | $0 | $48K | 3.50% |
| 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 | $6K | 2.74% |
| 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 | 3.54% |
| 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 | 0.45% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | FLORIDA COMBINED LIFE | $7K | $0 | $7K | 3.49% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP | 5550 W EXECUTIVE DR STE 500 TAMPA, FL 33609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $170 | $2K | 9.96% |
| THOMAS W BOSTON3 Filed as: THOMAS FINANCIAL GROUP INC | 5550 W EXECUTIVE DRIVE SUITE 500 TAMPA, FL 33609 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $151 | $3K | 12.75% |
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 | 236 | 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) | 236 | 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 | 118 | $3.4M |
| Dental | FLORIDA COMBINED LIFE | 224 | $197K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 169 | $20K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $231K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $223K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 118 | $3.4M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.