| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $67K | $67K | 5.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.86% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PL CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $584 | $0 | $584 | 2.40% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 3118 GULF TO BAY SUITE 105 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $556 | $0 | $556 | 2.28% |
| GL BENJAMIN INC3 | 3118 GULF TO BAY BLVD SUITE 200 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $405 | $0 | $405 | 1.66% |
| PETERS MAX3 | 3118 GULF TO BAY BLVD CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $137 | $0 | $137 | 0.56% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | $0 | $93 | 0.38% |
| DIAZ VICTOR G3 | 10422 NIGHTENGALE DRIVE RIVERVIEW, FL 33569 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | $0 | $32 | 0.13% |
| TED TODD INSURANCE3 | 5265 UNIVERSITY PARKWAY UNIVERSITY PARK, FL 34201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.66% |
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 | 275 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $129K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $129K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.