| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $540 | $6K | 11.05% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $783 | $783 | 1.50% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BOULEVARD SUITE 400 WOODMERE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | — | $262 | $262 | 0.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $80 | $4K | 15.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $59 | $1K | 10.51% |
| WATCHTOWER BENEFITS, LLC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $180 | $180 | 1.49% |
| MARSHBERRY CONNECT PLATFORM LLC3 | 28601 CHAGRIN BOULEVARD SUITE 400 WOODMORE, OH 44122 | PRINCIPAL LIFE INSURANCE COMPANY | — | $60 | $60 | 0.50% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $953 | — | $953 | 8.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | — | $149 | 1.27% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.93% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.93% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.04% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 17.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.67% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBOOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $749 | — | $749 | 12.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 11.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.37% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOKI, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | $24 | $900 | 15.42% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNERS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | TELEDOC | $660 | — | $660 | 14.99% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $549K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $52K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $12K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 58 | $25K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 81 | $549K |
| Other(8 contracts, 4 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 199 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
No prospect flags tripped on this filing.