| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | HEALTH OPTIONS | $41K | $0 | $41K | 4.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $29K | $0 | $29K | 4.21% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $5K | $27K | 21.47% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETWORK PL CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $744 | $0 | $744 | 4.63% |
| GL BENJAMIN INC3 Filed as: BENJAMIN SARA | 1277 MISSION CIRCLE CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $404 | $0 | $404 | 2.51% |
| GL BENJAMIN INC3 | 5837 RAVENWOOD DR SARASOTA, FL 34243 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | $0 | $235 | 1.46% |
| PETERS MAX3 | 2909 GULF TO BAY BLVD APT P 208 CLEARWATER, FL 33759 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 0.62% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.16% |
| DIAZ VICTOR G3 | 12518 EVINGTON POINT DR RIVERVIEW, FL 33579 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.07% |
| TED TODD INSURANCE3 | 23190 FASHION DRIVE P216 ESTERO, FL 33928 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 71 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $127K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $127K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $127K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $127K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 71 | $1.6M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 274 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.