| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD, STE 200 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $5K | $14K | 15.83% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS CORP. - 8H030 | 1600 S. FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 15.80% |
| JOSEF GOLUB3 Filed as: JOSEF GOLUB- 9G0X0 | 268 SUNLIT COVE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| EAST & GREENWELL INS. INC.3 | 20321 GRAND OAK SHOPPES BLVD SUITE 308 ESTERO, FL 33928 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.66% |
| VONDA DANELLE GOLUB3 Filed as: VONDA GULUB | 3330 OVERLOOK DR NE SAINT PETERSBURG, FL 33703 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.60% |
| MICHELLE LAMPERT3 | 4611 N FEDERAL HIGHWAY APT 401 POMPANO BEACH, FL 33063 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.67% |
| RAMON J FRIAS INC3 Filed as: RAMON J FRIAS INC. | 1611 NW 102ND DRIVE CORAL SPRINGS, FL 33071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $344 | — | $344 | 0.67% |
| ROBERT M GLASS CORP3 Filed as: ROBERT M GLASS - 3LYC0 | 1600 S FEDERAL HIGHWAY SUITE 801-D POMPANO BEACH, FL 33062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | — | $310 | 0.61% |
| NESTOR URIBE3 | PO BOX 294082 BOCA RATON, FL 33432 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $305 | — | $305 | 0.60% |
| DANIEL P HACKETT3 | 70 E LAKEWOOD BLVD HOLLAND, MI 49424 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.24% |
| EAST & GREENWELL INS. INC.3 Filed as: EAST & GREENWELL INSURANCE INC. | 841 VANDERBILT BEACH ROAD NAPLES, FL 34108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $108 | — | $108 | 0.21% |
| JOSEF GOLUB3 Filed as: JOSEF GOLUB - 100G0 | 268 SUNLIT COVE DR NE SAINT PETERSBURG, FL 33702 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.17% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 231 | $257K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $88K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 260 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $88K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $88K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $88K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 233 | $307K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.