| 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 STE 2400 HOUSTON, TX 77056 | COMMUNITY INSURANCE COMPANY | $147K | — | $147K | 4.02% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 5455 RINGS ROAD COLUMBUS, OH 43017 | COMMUNITY INSURANCE COMPANY | — | $6K | $6K | 0.15% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD RICHMOND, TX 77406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL. HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 473 | $3.7M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 305 | $188K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $28K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $146K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $142K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $116K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 425 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.