| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | HEALTH OPTIONS, INC. | $27K | $0 | $27K | 3.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | $0 | $10K | 3.90% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 6.22% |
| BRADLEY TAMULSKI3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 5.08% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 2.80% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 94 | $934K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $72K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $72K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 94 | $934K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 86 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
No prospect flags tripped on this filing.