| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $71K | $81K | 2.89% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $49K | $58K | 2.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4010 W BOY SCOUT BOULEVARD SUITE 200 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 1.55% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 0.72% |
| CGF INSURANCE LLC3 | UNKNOWN JACKSONVILLE, FL 32224 | TRIPLE-S SALUD, INC. | $5K | — | $5K | 2.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, OH 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERIICA | $4K | $2K | $6K | 16.21% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERIICA | $3K | $0 | $3K | 8.87% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERIICA | $304 | — | $304 | 0.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, OH 33607 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.33% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.98% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 WEST ERIE STREET, SUITE 300 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $163 | $163 | 0.80% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.8M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 348 | $20K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.8M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.8M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.8M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $3.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.