| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 800 TAMPA, FL 33607 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 3.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $987 | $15K | 8.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $9K | 5.53% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $87 | $3K | 1.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $433 | $433 | 0.26% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARNTERS | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $684 | $36 | $720 | 9.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE CITY PLACE DRIVE SUITE 900 ST LOUIS, MO 63141 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $107 | $0 | $107 | 1.35% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $38 | $2K | 23.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $443 | $34 | $477 | 7.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $248 | $85 | $333 | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $83 | $87 | $170 | 2.55% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.12% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $36 | $2K | 24.53% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $344 | $42 | $386 | 6.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $220 | $71 | $291 | 4.68% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3 CITYPLACE DR STE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | $87 | $167 | 2.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8 | $8 | 0.13% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $165K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $165K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $165K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $165K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.