| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.56% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.80% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $671 | $0 | $671 | 1.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $373 | $0 | $373 | 1.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL COURT SUITE 201 JACKSONVILLE, FL 32224 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST SCOUT BLVD SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.47% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $837 | $0 | $837 | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS CARRIER | Claims processing Service code 12 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | $50K |
| ACME BARRICADES LLC EIN 59-3541899 HRA ADMIN | Claims processing Service code 12 | — | $9K |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 287 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $97K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 335 | $70K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $35K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.