| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOYSCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HPHC INSURANCE COMPANY | $21K | $24K | $45K | 5.58% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 8.84% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.78% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOYSCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HARVARD PILGRIM HEALTH CARE | $2K | $295 | $2K | 3.66% |
| LORI ANN MARTINEZ3 | 11 MONUMENT DRIVE OXFORD, MA 01540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.64% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 410 UNIVERSITY AVENUE WESTWOOD, MA 02090 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4 | $3K | 6.07% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 4.70% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $106 | $2K | 3.17% |
| MARY-JOYCE LICATA3 Filed as: MARY JOYCE LICATA | 24 CORIANDER LANE NORTH KINGSTON, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $871 | $217 | $1K | 2.08% |
| CARLEIGH GORDON3 | 135 SKUNK HILL ROAD EXETER, RI 02822 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $830 | $164 | $994 | 1.90% |
| MJ INSURANCE3 Filed as: KAREN ANGELIS AND VARIOUS AGENTS | 2639 NORTH RIVERSIDE DRIVE APARTMENT 1104 POMPANO BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $50 | $442 | 0.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOYSCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | HARVARD PILGRIM HEALTH CARE | $202 | $35 | $237 | 2.81% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 97 | $862K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $105K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $105K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $158K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 40 | $52K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $105K |
| Prescription drug(3 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 97 | $862K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 101 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.