| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $100K | — | $100K | 9.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 6.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 15.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $193 | $3K | 9.17% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SERVICES | 2211 MICHELSON DR STE 200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.14% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $285 | $285 | 0.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING BLVD SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $279 | — | $279 | 0.96% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $378 | $3K | 11.89% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.91% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $910 | $57 | $967 | 12.09% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $740 | — | $740 | 9.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 3407 W DR MARTIN LUTHER KING JR SUITE 200 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 0.35% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$38 | -$38 | -0.48% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC. | 269 | $1.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 79 | $48K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $153K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.