| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 WEST PLATT STREET TAMPA, FL 33606 | HUMANA MEDICAL PLAN, INC. | $90K | — | $90K | 4.18% |
| BALDWIN KRYSTIN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA MEDICAL PLAN, INC. | $4K | — | $4K | 0.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTIN SHERMAN PARTNERS LL | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA MEDICAL PLAN, INC. | — | $3K | $3K | 0.14% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | PO BOX 373 TAMPA, FL 33601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 9.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 1115 US HIGHWAY 98 SOUTH LAKELAND, FL 33801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.71% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON COMPANY LLC | 300 WEST PLATT STREET TAMPA, FL 33606 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.44% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $332 | — | $332 | 1.56% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON | 300 WEST PLATT STREET TAMPA, FL 33606 | HEALTHIEST YOU | $694 | — | $694 | 12.50% |
| BKS PARTNERS3 | 4010 WEST BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | HEALTHIEST YOU | $139 | — | $139 | 2.50% |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 269 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $167K |
| Vision | HUMANA INSURANCE COMPANY | 278 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $167K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 646 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.