| 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 #200 TAMPA, FL 33606 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $8K | $8K | 0.23% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOYSCOUT BLVD STE 200 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.86% |
| DANIEL SOLUTIONS3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $487 | $909 | 0.97% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL NATHAN AQUILINO | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $737 | $737 | 0.78% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 2150 49TH ST SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $658 | $0 | $658 | 0.70% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $451 | $0 | $451 | 0.48% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.05% |
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 | 724 | 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) | 724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $3.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 724 | $3.4M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 191 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.