| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 5151 SAN FELIPE STREET STE 2400 HOUSTON, TX 77056 | COMMUNITY INSURANCE COMPANY | $148K | — | $148K | 3.92% |
| BROKERNET INC3 Filed as: BROKERNET INC. | 110 NORTHWOODS BLVD. STE C COLUMBUS, OH 43235 | 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% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | 1127 DEERFIELD RD. RICHMOND, TX 77406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.79% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $764 | $764 | 0.40% |
| 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% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $725 | $725 | 0.64% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $364 | $364 | 0.32% |
| 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 | $16K | — | $16K | 15.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $625 | $625 | 0.58% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $316 | $316 | 0.29% |
| 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% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M BENNETT | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $609 | $609 | 0.66% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $306 | $306 | 0.33% |
| 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 | $11K | — | $11K | 20.00% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER N ARNET | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES M. BENNETT | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $509 | $509 | 0.91% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $235 | $235 | 0.42% |
| 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 | 457 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 478 | $3.8M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 290 | $191K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $31K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $148K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 143 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $114K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.
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.