| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 0.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.35% |
| MICHAEL C WALKER3 Filed as: MICHAEL REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | AETNA LIFE INSURANCE COMPANY | $412 | $0 | $412 | 0.10% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $6 | $2K | 9.18% |
| ANDERSON BENEFIT SOLUTIONS3 | 3821 LAKE PADGETT DRIVE LAND O LAKES, FL 34639 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $227 | $1K | 7.71% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 11399 81ST PL SEMINOLE, FL 33772 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $421 | $447 | $868 | 5.11% |
| BRYAN ANTHONY GONZALEZ3 | 8408 QUARTZ PL TAMPA, FL 33615 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | $0 | $796 | 4.68% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $23 | $249 | 1.47% |
| JAQUELYN LORETTA CARTER3 | 4416 LARKFIELD LANE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $0 | $153 | 0.90% |
| WILLIAM E GECEWICZ3 | 11113 LAKESIDE VISTA DRIVE RIVERVIEW, FL 33569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | $28 | $28 | 0.16% |
| WORKSITE AMERICA LLC3 | 14141 46TH ST N SUITE 1209 CLEARWATER, FL 33762 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.10% |
| JOHN ANTHONY CARREIRO III3 | 11750 CAPRI CIR S APT 3 TREASURE ISLAND, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $1 | $12 | 0.07% |
| JOHN C JONES & ASSOC INC3 Filed as: JOHN C JONES AND ASSOCIATES INC | 2027 HAWAII AVE NE ST PETERSBURG, FL 33703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JOHN R STONER ORG INC3 | 700 CENTRAL AVE SUITE 300 ST PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| NYRA VELASCO3 | 1904 CAPRI ROAD VALRICO, FL 33594 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| COACH CONCEPTS INC3 | 4750 HURON ROAD ST PETERSBURG, FL 33708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $382 | $99 | $481 | 3.78% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $330 | $67 | $397 | 3.61% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $254 | $59 | $313 | 3.70% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 20101 HERON CROSSING DRIVE TAMPA, FL 33647 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $461 | $0 | $461 | 8.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $115 | $33 | $148 | 2.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS LL BROKER | Insurance agents and brokers Service code 22 | 4211 W BOYSCOUT BLVD SUITE 800 TAMPA, FL 33607 | $14K |
| THE BALDWIN GROUP SOUTHEAST LLC BROKER | Insurance agents and brokers Service code 22 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | $9K |
| MICHAEL REBER BROKER | Insurance agents and brokers Service code 22 | 20101 HERON CROSSING ROAD TAMPA, FL 33647 | $3K |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 108 | $430K |
| Dental | AETNA LIFE INSURANCE COMPANY | 108 | $430K |
| Vision | AETNA LIFE INSURANCE COMPANY | 108 | $430K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $8K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.