| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | $121K | $13K | $134K | 6.69% |
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS | 26701 DUBLIN WOODS CIRCLE 2ND FLR BONITA SPRINGS, FL 34135 | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 0.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $82K | — | $82K | 16.96% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD #202-264 FT MYERS, FL 33912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $13K | — | $13K | 2.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | AMERITAS LIFE INSURANCE CORP | $26K | $6K | $31K | 11.14% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 341357227 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 0.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | ALLSTATE WORKPLACE DIVISION | $6K | — | $6K | 10.35% |
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 | 2,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 792 | $483K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 5,035 | $1.3M |
| Vision | AMERITAS LIFE INSURANCE CORP | 3,693 | $279K |
| Life insurance | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 2,153 | $2.0M |
| Short-term disability | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 2,153 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 2,153 | $2.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 2,153 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,035 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.