| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W. BOYSCOUT BLVD. SUITE 200 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $206K | — | $206K | 2.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W. BOYSCOUT BLVD. SUITE 200 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64K | — | $64K | 4.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W. BOYSCOUT BLVD. SUITE 200 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN INC | $38K | — | $38K | 4.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W. BOYSCOUT BLVD. SUITE 200 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 4.55% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4010 W. BOYSCOUT BLVD. SUITE 200 TAMPA, FL 33607 | VISION SERVICE PLAN | $2K | — | $2K | 3.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $384 | — | $384 | 20.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | THREE CITY PLACE DRIVE #900 ST. LOUIS, MO 63141 | FEDERAL INSURANCE COMPANY | $288 | — | $288 | 15.01% |
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 | 897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,342 | $9.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $1.4M |
| Vision | VISION SERVICE PLAN | 924 | $75K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $1.4M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $1.4M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 918 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.