| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 4.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$19K | -$19K | -1.21% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.18% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3K | — | -$3K | -3.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7K | — | -$7K | -10.60% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $728 | $9K | 31.10% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CA 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $322 | $1K | 4.91% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $301 | $4K | 33.18% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $270 | $68 | $338 | 2.75% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $225 | $3K | 30.12% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $109 | $27 | $136 | 1.57% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $677 | $216 | $893 | 16.91% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $125 | $37 | $162 | 3.07% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $955 | $25 | $980 | 22.43% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY STE 200 WALLINGFORD, CT 06492 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $200 | — | $200 | 4.58% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.5M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.6M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.6M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 323 | $39K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 31 | $12K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 323 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $1.5M |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 323 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.