| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 704 MAIN STREET YARMOUTH PORT, MA 02675 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 22.23% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS | 3300 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | AMERITAS LIFE INSURANCE CORPORATION | $916 | $0 | $916 | 4.50% |
| JOHN LEE CHARRETTE3 Filed as: JOHN FRANCIS FOLEY | 330 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | AMERITAS LIFE INSURANCE CORPORATION | $560 | $0 | $560 | 2.75% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $202 | $202 | 7.99% |
| NFP INSURANCE SERVICES INC3 Filed as: APEX BENEFITS PARTNERS | 3300 COCHITUATE ROAD, UNIT 761 FRAMINGHAM, MA 01701 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $158 | $0 | $158 | 6.25% |
| JOHN FOLEY3 | UNKNOWN PLYMOUTH, MA 02360 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $122 | $0 | $122 | 4.82% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | UNKNOWN TAMPA, FL 33607 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $99 | $0 | $99 | 3.91% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 101 | $0 |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 81 | $20K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 81 | $20K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 97 | $3K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 97 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.