| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $36K | — | $36K | 4.13% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $2K | $8K | 14.11% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $6K | $497 | $6K | 21.86% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $2K | $355 | $3K | 9.87% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $380 | $2K | 11.73% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $4K | $362 | $4K | 21.51% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $2K | $269 | $2K | 9.79% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $4K | $323 | $4K | 22.51% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $2K | $234 | $2K | 10.14% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $251 | $2K | 11.78% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | VISION SERVICE PLAN | $826 | — | $826 | 6.79% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $618 | $249 | $867 | 13.92% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | BLUE CROSS OF CALIFORNIA | $3K | $2K | $5K | 226.85% |
| THE BALDWIN GROUP WEST LLC3 | 4211 BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | $38 | $151 | 7.30% |
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 | 169 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS OF CALIFORNIA | 134 | $878K |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 126 | $66K |
| Vision | VISION SERVICE PLAN | 109 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 57 | $21K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $34K |
| Prescription drug(2 contracts) | BLUE CROSS OF CALIFORNIA | 134 | $878K |
| Other(5 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 169 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.