| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LION SHARE HOLDINGS DBA ME WILSON3 Filed as: LION SHARE HOLDINGS | PO BOX 373 TAMPA, FL 33601 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $67K | $67K | 3.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD #200 TAMPA, FL 33606 | UNITEDHEALTHCARE INSURANCE COMPANY | $395 | $14K | $14K | 0.68% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACC - SEE LIST | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58K | $19K | $77K | 34.12% |
| LIONS SHARE HOLDING, INC3 Filed as: LIONS SHARE HOLDING INC | DBA M E WILSON COMPANY INC 300 W PLATT ST #200 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010WBOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | SUN LIFE ASSURANCE COMPANY OF CANADA | $642 | — | $642 | 0.58% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $455 | $455 | 0.41% |
| LIONS SHARE HOLDING, INC3 Filed as: LIONS SHARE HOLDING INC | PO BOX 373 TAMPA, FL 336010373 | VISION SERVICE PLAN | $905 | — | $905 | 5.22% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | VISION SERVICE PLAN | $106 | — | $106 | 0.61% |
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 | 573 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 542 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 331 | $112K |
| Vision | VISION SERVICE PLAN | 180 | $17K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 542 | $2.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 254 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.