| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: TEH BALDWIN GROUP SOUTHEAST, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | — | $46K | 13.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.01% |
| SBP, LLC5 | 13 WHITE FIELD CT. AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $578 | $578 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 9.87% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $738 | $3K | 13.01% |
| SBP, LLC5 | 13 WHITE FIELD CT. AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $367 | $367 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $629 | $2K | 13.78% |
| SBP, LLC5 | 13 WHITE FIELD CT. AMBLER, PA 19002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $998 | $998 | 6.00% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $250 | $250 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $359 | $3K | 23.16% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $171 | $171 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $283 | $2K | 22.90% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $146 | $146 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $789 | $228 | $1K | 12.90% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $237 | $2K | 23.06% |
| WATCHTOWER BENEFITS, LLC5 | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $116 | $116 | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $339 | $107 | $446 | 13.17% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS | 227 W. MONROE ST. STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $51 | $51 | 1.51% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $334K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 109 | $34K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $24K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.