| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA STREET SUITE 1900 TAMPA, FL 33602 | HEALTH OPTIONS INC | $32K | $0 | $32K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE | 400 N TAMPA STREET SUITE 1900 TAMPA, FL 33602 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | PO BOX 2879 TAMPA, FL 33601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.91% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUTS BLVD #200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $240 | $0 | $240 | 0.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $94 | $3K | 11.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $794 | $0 | $794 | 3.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $73 | $2K | 11.79% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $661 | $0 | $661 | 3.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $39 | $1K | 11.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $348 | $0 | $348 | 3.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | PO BOX 2879 TAMPA, FL 33601 | STANDARD INSURANCE COMPANY | $260 | $0 | $260 | 2.68% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD #200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $61 | $0 | $61 | 0.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYKES INSURANCE INC | 5216 SUMMERLIN COMMONS BLVD FORT MYERS, FL 33907 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $349 | $19 | $368 | 8.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111 | $0 | $111 | 2.41% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 87 | $705K |
| Dental | STANDARD INSURANCE COMPANY | 95 | $42K |
| Vision | STANDARD INSURANCE COMPANY | 66 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $18K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.