| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWYN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 8.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 208171132 | UNITED HEALTHCARE INSURANCE COMPANY | $47 | — | $47 | 0.01% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.04% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 701 B ST 6TH FL SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $683 | $2K | $3K | 5.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE, STE 504 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $605 | $2K | $3K | 5.05% |
| BALDWYN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWYN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 701 B ST 6TH FL SAN DIEGO, CA 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | $516 | $677 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES INC | Other services; Claims processing Service code 12 | — | $247K |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $247K |
| BALDWYN KRYSTYN SHERMAN EIN 20-4102683 BROKER | Other commissions Service code 55 | 4010 W BOY SCOUT BLVD SUITE 200 TAMPA, FL 336075752 | $0 |
| BENEFIT PARTNERS ALLIANT INC EIN 20-1788594 BROKER | Other commissions Service code 55 | — | $0 |
| BENEFIT PARTNERS ALLIANT, INC. EIN 20-1788594 BROKER | Other commissions Service code 55 | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 208171886 | $0 |
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 | 361 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $149K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 394 | $502K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $13K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $55K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $57K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 394 | $502K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.