| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST SUITE 100 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $974 | $28K | 4.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.77% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $18K | 12.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $113 | $0 | $113 | 0.08% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $131 | $1K | 19.38% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | $0 | $246 | 3.33% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $965 | $113 | $1K | 21.81% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $164 | $0 | $164 | 3.32% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 W LAUREL ST SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $843 | $90 | $933 | 23.40% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $195 | $0 | $195 | 4.89% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 76 | $657K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $145K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $145K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $145K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $145K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.