| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 BOY SCOUT BLVD SUITE 200 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $0 | $21K | 2.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 0.82% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | HARTFORD LIFE AND ACCIDENT | $12K | $6K | $19K | 4.91% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 4.49% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METLIFE LEGAL PLANS | $558 | $0 | $558 | 6.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $183 | $0 | $183 | 2.10% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | METROPOLITAN GENERAL INSURANCE COMPANY | $183 | $0 | $183 | 4.27% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $194 | $0 | $194 | 15.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMHEALTH FINANCIAL SERVICES EIN 47-0858530 TPA | Claims processing Service code 12 | — | $87K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 DENTAL | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $25K |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF GEORGIA, INC. | 267 | $5.9M |
| Dental | CIGNA HEALTHCARE OF GEORGIA, INC. | 267 | $5.1M |
| Vision | EYEMED VISION CARE | 301 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 336 | $379K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $379K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $379K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 336 | $393K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.