| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 336075752 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $5K | $29K | 11.84% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 801-D TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $189 | $3K | 3.63% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 RADNOR, PA 190875269 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $538 | — | $538 | 0.63% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $196 | $5K | 6.20% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 RADNOR, PA 190875269 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $239 | — | $239 | 0.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $127 | $4K | 9.70% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.57% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4233 PABLO PROFESSIONAL CENTER SUITE 201 JACKSONVILL, FL 32224 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.69% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 WAYNE, PA 190875269 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $51 | $2K | 7.09% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 RADNOR, PA 190875269 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $577 | — | $577 | 2.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $28 | $1K | 9.69% |
| AON CONSULTING INC3 | 259 N RADNOR CHESTER ROAD SUITE 160 RADNOR, PA 19087 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $644 | — | $644 | 5.55% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $247K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 359 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $67K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 508 | $76K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.