| 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 | $131K | — | $131K | 6.43% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 336075752 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 2.44% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 34135 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| 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) | $59K | — | $59K | 4.12% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BLVD #202-264 FT MYERS, FL 33912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $7K | — | $7K | 0.48% |
| 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 | $35K | $3K | $37K | 10.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNRS LLC | 4010 W BOY SCOUT BLVD STE 200 TAMPA, FL 33607 | ALLSTATE WORKPLACE DIVISION | $14K | — | $14K | 12.66% |
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 | 3,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 940 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 5,010 | $1.8M |
| Vision | AMERITAS LIFE INSURANCE CORP | 4,180 | $347K |
| Life insurance | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 3,166 | $2.0M |
| Short-term disability | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 3,166 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 3,166 | $2.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE ASSURANCE COMPANY OF CANADA | 3,166 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,010 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.