Lee FP, Inc. dba Cypress Living
Updated Filing received by DOL
Lee FP, Inc. dba Cypress Living, a healthcare & social assistance employer in Fort Myers, Florida, reported 339 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows 11 insurance contracts with no premium reported and $23,448 in broker commissions and fees. The plan is fully insured (an insurance carrier pays claims). The Department of Labor received the filing on December 24, 2025, before the deadline.
Who was paid on Lee FP, Inc. dba Cypress Living's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Lee FP, Inc. dba Cypress Living filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| The Baldwin Group · Tampa, FL | $0 | $9,728 | $9,728 | 8 |
| Watchtower Benefits, LLC · Chicago, IL | $0 | $8,972 | $8,972 | 19 |
| Baldwin Krystyn · Tampa, FL | $0 | $3,017 | $3,017 | 1 |
| Sherman Ptnrs LLC · Tampa, FL | $0 | $1,731 | $1,731 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| United of Omaha Life Insurance Companyvision | 234 | — | $1,666 | — |
| United of Omaha Life Insurance Companylong-term disability | 13 | — | $397 | — |
| United of Omaha Life Insurance Companylife | 356 | — | $1,066 | — |
| United of Omaha Life Insurance Companyshort-term disability | 111 | — | $3,231 | — |
| United of Omaha Life Insurance Companydental | 255 | — | $7,947 | — |
| United of Omaha Life Insurance Companycoverage not coded | 58 | — | $777 | — |
| United of Omaha Life Insurance Companycoverage not coded | 110 | — | $1,071 | — |
| United of Omaha Life Insurance Companyshort-term disability | 13 | — | $233 | — |
| United of Omaha Life Insurance Companylong-term disability | 55 | — | $2,605 | — |
| United of Omaha Life Insurance Companylife | 98 | — | $4,455 | — |
| HCC Life Insurance Companyhealth, stop-loss | 237 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Lee FP, Inc. dba Cypress Living compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Lee FP, Inc. dba Cypress Living Employee Welfare Benefits Plan.#510 · insurance | May 31, 2025 | December 24, 2025 | before deadline | 339 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Lee FP, Inc. dba Cypress Living pay in health insurance broker commissions in 2024?
Lee FP, Inc. dba Cypress Living's 2024 Form 5500 reports $23,448 in broker commissions and fees across 11 insurance contracts ($0 in commissions, $23,448 in fees), with The Baldwin Group receiving the largest share.
Is Lee FP, Inc. dba Cypress Living's health plan self-funded or fully insured?
The 2024 filing indicates the plan is fully insured (an insurance carrier pays claims). Medical coverage is written by HCC Life Insurance Company.
How does Lee FP, Inc. dba Cypress Living's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Lee FP, Inc. dba Cypress Living because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.