| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 303 2ND STREET SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | BLUE CROSS BLUE SHIELD OF FLORIDA | $53K | — | $53K | 3.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 9140 CORSEA DEL FONTANA WAY BUILDING 110 NAPLES, FL 341094397 | BLUE CROSS BLUE SHIELD OF FLORIDA | $27K | — | $27K | 1.71% |
| INSUREYOURPEOPLE, LLC3 | 303 2ND STREET NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOY SCOUT BLVD. SUITE 200 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.54% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC. | 250 BRANNAN STREET FLOOR 3 SAN FRANCISCO, CA 941072007 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 8.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOY SCOUT BLVD. SUITE 200 TAMPA, FL 336075752 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.77% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $89K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $50K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $50K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 166 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.