| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | BLUE CROSS OF CALIFORNIA | $173K | — | $173K | 3.71% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $16K | — | $16K | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 3.35% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 5005 LBJ FREEWAY DALLAS, TX 75244 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 1.33% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | — | $212 | $212 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 11.25% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $654 | $654 | 0.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $872 | $8K | 11.25% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $360 | $360 | 0.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $443 | $4K | 8.72% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $98 | $206 | $304 | 0.66% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $375 | $300 | $675 | 2.25% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD., STE. 357 GLENVIEW, IL 60025 | UNUM INSURANCE COMPANY | $375 | — | $375 | 1.25% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | — | $51 | $51 | 0.17% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $2K | $382 | $2K | 8.14% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD., STE. 357 GLENVIEW, IL 60025 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.82% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS, INC | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $202 | $1 | $203 | 0.70% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $128 | $50 | $178 | 0.62% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - FT. WORTH | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | -$42 | -$11 | -$53 | -0.18% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $1K | $326 | $2K | 6.69% |
| BENEFIT EDUCATORS LLC3 | 2516 WAUKEGAN RD., STE. 357 GLENVIEW, IL 60025 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.49% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS, INC | 2400 MAIN ST SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $532 | $23 | $555 | 2.04% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $268 | $61 | $329 | 1.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - FT. WORTH | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM INSURANCE COMPANY | -$38 | -$9 | -$47 | -0.17% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 301 COMMERCE ST. FORT WORTH, TX 76102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $212 | $2K | 11.25% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $92 | $92 | 0.54% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 590 | $5.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $115K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 118 | $120K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 590 | $5.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.