| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 2.23% |
| INTRUST BUSINESS PARTNERS LLC3 | 17852 N US HIGHWAY 41 LUTZ, FL 33549 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 2.13% |
| INTRUST BUSINESS PARTNERS LLC3 | 412 E MADISON STREET 809 TAMPA, FL 33602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 6.13% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 3.32% |
| SHELBY GROUP INC3 | 1009 PARK DRIVE DUNEDIN, FL 34698 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $79 | $2K | 18.39% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $109 | $916 | 9.34% |
| INTRUST BUSINESS PARTNERS LLC3 | 17852 US HWY 41 N LUTZ, FL 33549 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $807 | $45 | $852 | 8.69% |
| WORKSITE AMERICA LLC3 Filed as: WORKSITE AMERICA, LLC | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $373 | $212 | $585 | 5.96% |
| PATRICIA M CARDUCCI3 | 4784 SIMCOE STREET PALM HARBOR, FL 34683 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $145 | $447 | 4.56% |
| SHIRLEY B DRAKE3 | 14141 46TH STREET N CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $187 | $109 | $296 | 3.02% |
| COACH CONCEPTS INC3 | 5655 OAKHURST DRIVE SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $10 | $53 | 0.54% |
| SUSAN B BOYETTE3 | 7892 LIMESTONE LANE SARASOTA, FL 34233 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.09% |
| PAT WILLIAMS INSURANCE CONSULTANTS3 Filed as: PAT WILLIAMS INS CONSULTANTS INC | 18201 GULF BLVD REDINGTON SHORES, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 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) | UNITED HEALTHCARE INSURANCE COMPANY | 336 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $248K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $248K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $248K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $248K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $248K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 263 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
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.