| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $57K | $0 | $57K | 10.75% |
| MUSCULOSKELETAL INS CHARTERED FOI3 | 13020 N TELECOM PKWY TEMPLE TERRACE, FL 33637 | STANDARD INSURANCE COMPANY | $0 | $345 | $345 | 0.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $43K | $0 | $43K | 14.51% |
| MUSCULOSKELETAL INS CHARTERED FOI3 | 13020 N TELECOM PKWY TEMPLE TERRACE, FL 33637 | STANDARD INSURANCE COMPANY | $0 | $189 | $189 | 0.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 14.50% |
| MUSCULOSKELETAL INS CHARTERED FOI3 | 13020 N TELECOM PKWY TEMPLE TERRACE, FL 33637 | STANDARD INSURANCE COMPANY | $0 | $117 | $117 | 0.07% |
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 | 1,052 | 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) | 1,052 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,052 | $172K |
| Short-term disability | STANDARD INSURANCE COMPANY | 516 | $298K |
| Long-term disability | STANDARD INSURANCE COMPANY | 344 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.