| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $5K | $34K | 17.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26K | $1K | $27K | 14.15% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $648 | $4K | 2.27% |
| DANIEL SOLUTIONS3 | 4941 POMPANO DRIVE NEW PORT RICHEY, FL 34652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $848 | $4K | 1.99% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO | PO BOX 373 TAMPA, FL 33601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 0.71% |
| JANET S DOHERTY3 Filed as: JANET DOHERTY | 1001 STARKEY RD LARGO, FL 33771 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $171 | $791 | 0.42% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $356 | $124 | $480 | 0.25% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $126 | $456 | 0.24% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 2150 49TH ST SUITE F ST PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $382 | $4 | $386 | 0.20% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $36 | $366 | 0.19% |
| RONALD SADOFSKY3 | 13553 CREST LAKE DRIVE HUDSON, FL 34669 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $324 | $0 | $324 | 0.17% |
| THE CONNEMARA GROUP LLC3 Filed as: THE CONNEMARA GROUP | THE CONNEMARA GROUP BRADENTON, FL 34209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.03% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 0.02% |
| TAMARA ANN BUSCHER3 Filed as: TAMARA GAIL COPELAND | PO BOX 243 TAMPA, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.01% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PL TAMPA, FL 33615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| PAUL AQUILINO3 Filed as: PAUL NATHAN AQUILLINO | 16228 PEBBLEBROOK DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.00% |
| KRISTAL DEL GUADALUPE FIGUEROA3 Filed as: KRISTAL DEL GUADALUPE FIGUERUA | 8411 MAY STREET TAMPA, FL 33614 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.00% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE STREET ST PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DISCOVERY BENEFITS, LLC EIN 90-0058554 FSA ADMIN | Claims processing Service code 12 | — | $4K |
| BALDWIN KRYSTYN SHERMAN PARTNERS EIN 20-4102683 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 1,117 | $4.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $19K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 279 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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.
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.