| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 3.78% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET, FLOOR 24 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.76% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.68% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.54% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.62% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET, FLOOR 24 HOUSTON, TX 77056 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.75% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PTNRS LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.14% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $927 | $3K | 5.22% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.79% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET, FLOOR 24 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $935 | $0 | $935 | 1.41% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE STREET, FLOOR 24 HOUSTON, TX 77056 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $0 | $566 | 0.85% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $2K | $0 | $2K | 3.15% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES, INC. | 10425 SOUTH 82ND EAST AVENUE SUITE 110 TULSA, OK 74133 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $714 | $0 | $714 | 1.16% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE STREET, FLOOR 24 HOUSTON, TX 77056 | BLUE CROSS BLUE SHIELD OF OKLAHOMA | $426 | $0 | $426 | 0.69% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 45 | $661K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $145K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $84K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $66K |
| Prescription drug(2 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 43 | $250K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 208 | $150K |
| 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.