| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $0 | $37K | 3.51% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 20.97% |
| M.E. WILSON COMPANY, LLC3 Filed as: M E WILSON COMPANY LLC | 300 W PLATT STREET SUITE 200 TAMPA, FL 33606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.19% |
| SULLIVAN AND MCDERMOTT3 | 1990 CENTRE STREET W ROXBURY, MA 02132 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | $0 | $777 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FL INC | PO BOX 173086 TAMPA, FL 33672 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $727 | $0 | $727 | 0.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29848 NETOWRK PL CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $712 | $0 | $712 | 0.85% |
| KIMBERLY A ECKELBARGER3 | 1115 N STONEY PT CRYSTAL RIVER, FL 34429 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.02% |
| BROKERSUITE INC3 | 124 WASHINGTON STREET SUITE 302 FOXBORO, MA 02035 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $290K |
| BALDWIN KRYSTYN SHERMAN PARTNERS AGENT | Insurance agents and brokers Service code 22 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | $33K |
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 | 898 | 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) | 898 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $1.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $1.0M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 898 | $1.0M |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 202 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 898 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.