| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COORDINATED BENEFITS LLC3 Filed as: COORDINATED BENEFITS CORP | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $66K | $66K | 4.82% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS OF FL | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.36% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.64% |
| CORPORATE SYNERGIES GROUP LLC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $9K | 12.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $660 | $264 | $924 | 1.26% |
| CORPORATE SYNERGIES GROUP LLC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $774 | $206 | $980 | 3.17% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $208 | $83 | $291 | 11.59% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOYSCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43 | $17 | $60 | 2.39% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 324 | $1.4M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $118K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 236 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 280 | $74K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 160 | $31K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 280 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.