| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET SUITE 2400 HOUSTON, TX 77056 | RELIANCE MATRIX | $16K | — | $16K | 10.68% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. FL 24 HOUSTON, TX 77056 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 8.29% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 4372 N LOOP 1604 W ACC RD STE 320 SHAVANO PARK, TX 78249 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.71% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SW LLC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 16.31% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 11.06% |
| AMCORP3 | 3519 PAESANOS PARKWAY SUITE 106 SAN ANTONIO, TX 78231 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30 | — | $30 | 0.19% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 294 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 294 | $106K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE MATRIX | 160 | $184K |
| Short-term disability(3 contracts, 3 carriers) | RELIANCE MATRIX | 160 | $184K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE MATRIX | 160 | $184K |
| Other(3 contracts, 3 carriers) | RELIANCE MATRIX | 160 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.