| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RODNEY RICH & COMPANY3 | 1070 HARBOR LN GULF BREEZE, FL 32563 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | $0 | $27K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERSLLC | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | $0 | $9K | 5.00% |
| RODNEY RICH & COMPANY3 Filed as: RODNEY RICH AND CO | 300 NORTH TARRAGONA STREET PENSACOLA, FL 32501 | GUARDIAN | $4K | $0 | $4K | 7.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOYSCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | GUARDIAN | $1K | $0 | $1K | 2.47% |
| HARRISON SWANN LLC3 | 3664 COOLIDGE COURT TALLAHASSEE, FL 32311 | GUARDIAN | $321 | $0 | $321 | 0.56% |
| THE ENNIS CO OF NORTHWEST FLORIDA3 | 3298 SUMMIT BLVD STE 27 PENSACOLA, FL 325034350 | THE STANDARD | $3K | $0 | $3K | 7.42% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | THE STANDARD | $1K | $0 | $1K | 2.49% |
| THE ENNIS CO OF NORTHWEST FLORIDA3 | 3298 SUMMIT BLVD STE 27 PENSACOLA, FL 325034350 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $747 | $0 | $747 | 2.25% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 93 | $724K |
| Dental | GUARDIAN | 82 | $57K |
| Vision | GUARDIAN | 82 | $57K |
| Life insurance | STANDARD INSURANCE COMPANY | 119 | $33K |
| Long-term disability | THE STANDARD | 119 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.