| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | SUN LIFE ASSURANCE COMPANY OF CANADA | $78K | $29K | $107K | 5.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 131 SOUTH DEARBORN 6TH FLOOR CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $50K | — | $50K | 2.52% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $15K | $59K | 4.03% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIRCLE SUITE 2 BONITA SPRINGS, FL 34135 | UNITEDHEALTHCARE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $80K | — | $80K | 18.50% |
| OWENS EMPLOYEE BENEFITS OF FLORIDA3 | 13650 FIDDLESTICKS BOULEVARD #202-264 FT MYERS, FL 33912 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | — | $4K | 0.91% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | AMERITAS LIFE INSURANCE CORP | $16K | — | $16K | 6.02% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 0.99% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PRTNRS LLC | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33602 | ALLSTATE WORKPLACE DIVISION | $16K | — | $16K | 9.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | ALLSTATE WORKPLACE DIVISION | $5K | — | $5K | 3.06% |
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 | 3,167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 4,710 | $1.5M |
| Vision | AMERITAS LIFE INSURANCE CORP | 4,078 | $259K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,657 | $2.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,657 | $2.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,657 | $2.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,657 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,710 | — |
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.