| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $5K | $24K | 6.83% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | STARMOUNT LIFE INSURANCE COMPANY | $16K | $3K | $20K | 5.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 6.23% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 4.42% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 5.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | 5151 BELT LINE RD STE 200 DALLAS, TX 75254 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 2.25% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 6.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 3.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $3K | — | $3K | 6.55% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $1K | — | $1K | 2.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $4K | $802 | $5K | 17.39% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $143 | $45 | $188 | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $2K | $401 | $2K | 10.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $1K | $212 | $2K | 7.09% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $2K | — | $2K | 7.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $52 | — | $52 | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. - DALLAS | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $3K | $561 | $3K | 17.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $104 | $33 | $137 | 0.70% |
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 | 1,544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 766 | $351K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 1,020 | $72K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,555 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $140K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $140K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,240 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,240 | — |
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.