| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 9140 CORSEA DEL FONTANA WAY BLDG 110 STE 2 NAPLES, FL 34109 | BLUE CROSS BLUE SHIELD OF FLORIDA | $72K | — | $72K | 5.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, MO 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 14.29% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $872 | $872 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.11% |
| WATCHTOWER BENEFITS, LLC3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $469 | — | $469 | 1.36% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 21.24% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST LLC | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $343 | — | $343 | 1.59% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $314 | — | $314 | 1.46% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$59 | -$59 | -0.27% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | FIRST STOP HEALTH, LLC | $2K | — | $2K | 9.92% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.80% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | — | $136 | 1.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST LLC | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | — | $83 | 1.05% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST. FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.15% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 177 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $35K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 91 | $58K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $179K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.