| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 0.35% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32K | $5K | $37K | 13.77% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $3K | $32K | 11.76% |
| DANIEL SOLUTIONS3 | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 2.38% |
| M.E. WILSON COMPANY, LLC3 Filed as: ME WILSON CO | PO BOX 373 TAMPA, FL 33601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $620 | $0 | $620 | 0.23% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $73 | $613 | 0.23% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $540 | $20 | $560 | 0.21% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 Filed as: HEIL BUSINESS SOLUTIONS CORP | 3909 SHORESIDE CIRCLE TAMPA, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $181 | $2 | $183 | 0.07% |
| RONALD SADOFSKY3 | 14887 SEA MYRTLE LANE HUDSON, FL 34667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.06% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $0 | $163 | 0.06% |
| JANET S DOHERTY3 Filed as: JANET DOHERTY | 1302 W AJO WAY UNIT 230 TUCSON, AZ 85713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.02% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.01% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| TRILOGY BENEFITS CONSULTING LLC3 | 11635 GROVE STREET SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 16.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $529 | $5K | 13.49% |
| DANIEL SOLUTIONS3 Filed as: DANIEL SOLUTIONS LLC | 13650 W HILLSBOROUGH AVE GREATER TAMPA, FL 33635 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | $561 | $1K | 2.93% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $13 | $105 | 0.27% |
| ALLYN INCORPORATED3 | 14813 SEMINOLE TRAIL SEMINOLE, FL 33776 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $4 | $95 | 0.24% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON CO INC | PO BOX 373 TAMPA, FL 33601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH ELIZABETH MAXWELL | 1023 GRANADA STREET CLEARWATER, FL 33755 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| JANET S DOHERTY3 | 17328 E ADRIATIC PL AURORA, CO 80013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.01% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| NYRA VELASCO3 | 1904 CAPRI RD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.32% |
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 | 874 | 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) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 874 | $7.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 596 | $7.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 596 | $7.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9 | $22K |
| Other(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 432 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.