| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTEN SHERMAN PARTNERS | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.70% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $131K |
| BALDWYN KRYSTYN SHERMAN PARTNERS LL EIN 20-4102683 INSURANCE BROKER | Other commissions Service code 55 | 4010 W BOY SCOUT BLVD #200 TAMPA, FL 33607 | $13K |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $238K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 428 | $411K |
| Vision | EYE MED | 617 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 428 | $411K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 428 | $411K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $238K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 428 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.