| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 2211 MICHELSON DRIVE IRVINE, CA 92612 | HEALTH NET | $42K | — | $42K | 4.45% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | HEALTH NET | $24K | — | $24K | 2.55% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 2211 MICHELSON DRIVE IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 3.07% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 1.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 2211 MICHELSON DRIVE IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $6K | $21K | 11.57% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $12K | 6.42% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $467 | $6K | 3.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.04% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 2211 MICHELSON DRIVE IRVINE, CA 92612 | SAFEGUARD HEALTH PLANS, INC. | $956 | $502 | $1K | 9.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. | $673 | $269 | $942 | 6.41% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | SAFEGUARD HEALTH PLANS, INC. | $390 | $39 | $429 | 2.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN | P.O. BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC. | — | $107 | $107 | 0.73% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE IRVINE, CA 92612 | METROPOLITAN GENERAL INSURANCE COMPANY | $70 | — | $70 | 22.44% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 122 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $198K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $183K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $183K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $183K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $183K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 74 | $753K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.