| 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 | $66K | — | $66K | 5.08% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 13.00% |
| WATCHTOWER BENEFITS, LLC3 | 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 | $5K | — | $5K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $722 | $722 | 1.50% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $343 | $4K | 11.10% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $315 | $295 | $610 | 1.66% |
| WATCHTOWER BENEFITS, LLC3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | — | $347 | 0.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 22.47% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $380 | — | $380 | 1.39% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SERVICES | 2211 MICHELSON DR STE 200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $374 | — | $374 | 1.37% |
| 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 | $45 | — | $45 | 0.16% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.39% |
| WATCHTOWER BENEFITS LLC DBA THREEFL3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $57 | $172 | 2.02% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | — | $136 | 1.60% |
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 | 199 | 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) | 199 | 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 | 208 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $122K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $48K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $170K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.