| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 101 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | — | $63K | 4.19% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD STE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.35% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.16% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD STE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC, LLC | 101 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | USABLE LIFE | $7K | — | $7K | 15.28% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 7.85% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP INC | 1680 ROUTE 23 NORTH SUITE 200 WAYNE, NJ 07470 | USABLE LIFE | $886 | — | $886 | 2.04% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | VISON SERVICE PLAN | $798 | — | $798 | 7.03% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 401 BROADHOLLOW ROAD STE 200 MELVILLE, NY 11747 | VISON SERVICE PLAN | $186 | — | $186 | 1.64% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISON SERVICE PLAN | $52 | — | $52 | 0.46% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 193 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $81K |
| Vision | VISON SERVICE PLAN | 109 | $11K |
| Life insurance | USABLE LIFE | 143 | $43K |
| Long-term disability | USABLE LIFE | 143 | $43K |
| Other | USABLE LIFE | 143 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
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.