| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $619 | $7K | 11.57% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | PRINCIPAL LIFE INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.42% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $242 | — | $242 | 1.38% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $72 | $1K | 10.56% |
| TOWN & COUNTRY INSURANCE AGENCY INC3 Filed as: TOWN & COUNTRY INSURANCE AGENCY | 10260 WESTHEIMER ROAD SUITE 180 HOUSTON, TX 77042 | PRINCIPAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| KRYSTYN BALDWIN SHERMAN3 Filed as: KRYSTYN SHERMAN PARTNER | — | TELEDOC | $1K | — | $1K | 12.12% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $879 | — | $879 | 9.21% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $825 | — | $825 | 8.65% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $890 | — | $890 | 9.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $890 | — | $890 | 9.99% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $674 | — | $674 | 8.77% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $507 | — | $507 | 6.60% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 1.13% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOKI, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $570 | — | $570 | 15.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $542K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $56K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $14K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 145 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $27K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 109 | $542K |
| Other(8 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 145 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.