| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1185 IMMOKALEE ROAD SUITE 200 NAPLES, FL 34110 | SUN LIFE ASSURANCE CO OF CANADA | $0 | $10K | $10K | 2.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1185 IMMOKALEE ROAD SUITE 200 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $450 | $7K | 1.61% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1185 IMMOKALEE ROAD SUITE 200 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.90% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN SHERMAN | SUITE 200 4010 W BOT SCOUT BLVD TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $406K |
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 | 587 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 740 | $34K |
| Vision | HUMANA INSURANCE COMPANY | 516 | $73K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 627 | $435K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 627 | $435K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 676 | $476K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 627 | $549K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.