| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $10K | $10K | 1.78% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $6K | $6K | 1.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 1.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIND BENEFITS INC DBA SUREST EIN 81-4560965 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $369K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $52K |
| SUN LIFE ASSURANCE COMPANY OF CANAD EIN 38-1082080 FMLA ADMIN/ADVICE TO PAY | Claims processing Service code 12 | — | $30K |
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 | 848 | 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) | 848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 790 | $35K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 664 | $75K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 848 | $434K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 848 | $434K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 848 | $434K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 651 | $550K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 848 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.