| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LABOW MAIA3 Filed as: LABOW HOWARD B | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39K | — | $39K | 24.07% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | — | $33K | 20.19% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.35% |
| TORRES ERIKA M3 | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.13% |
| LABOW MAIA3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $858 | — | $858 | 0.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $11K | 12.81% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $896 | — | $896 | 10.53% |
| LABOW MAIA3 Filed as: LABOW HOWARD | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $896 | — | $896 | 10.53% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $944K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $90K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 117 | $163K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $944K |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 128 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.