| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $2K | $12K | 13.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $9K | $9K | 9.83% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 20.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 8.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $744 | $7K | 20.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 8.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $579 | $4K | 16.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 8.27% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $1K | $702 | $2K | 12.89% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $835 | $144 | $979 | 6.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $1K | $693 | $2K | 12.78% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $824 | $144 | $968 | 6.42% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $92K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $92K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $83K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $50K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.