| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | $0 | $52K | 13.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $0 | $16K | 4.13% |
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 16019 N FLORIDA AVE LUTZ, FL 33549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $0 | $25K | 18.67% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.32% |
| ACCURATE INSURANCE SOLUTIONS INC3 Filed as: ACCURATE INSURANCE SOLUTIONS | 16019 N FLORIDA AVE LUTZ, FL 35549 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 19.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174 | $0 | $174 | 1.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $211 |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $393K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $136K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.