| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.29% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, FL 33326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $719 | $719 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $719 | $719 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.58% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $565 | $565 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $565 | $565 | 1.50% |
| SHERMAN PTNRS LLC3 | BALDWIN KRYSTYN 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.95% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.99% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $334 | $334 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $683 | $683 | 5.28% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $722 | $722 | 6.31% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $172 | $172 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $172 | $172 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $501 | $501 | 5.46% |
| WATCHTOWER BENEFITS, LLC6 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $138 | $138 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $138 | $138 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $263 | $263 | 5.88% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $67 | $67 | 1.50% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $67 | $67 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $155 | $155 | 5.91% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $39 | $39 | 1.49% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $39 | $39 | 1.49% |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 237 | $405K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $133K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $59K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $40K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $34K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 237 | $405K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 356 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.