| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DR. STE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | — | $1K | $1K | 0.05% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | — | DELTA DENTAL INSURANCE COMPANY | $30K | — | $30K | 1.50% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | — | DELTA DENTAL INSURANCE COMPANY | $22K | — | $22K | 1.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | — | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 0.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $16K | $65K | 8.09% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $24K | $24K | 3.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $11K | $22K | 4.00% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 3.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $8K | $15K | 4.00% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 3.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $4K | $11K | 5.50% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 1.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | — | $8 | $8 | 0.01% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | — | $5K | $5K | 5.01% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | — | $4K | $4K | 3.99% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | — | $4K | $4K | 4.00% |
| THE BALDWIN GROUP WEST LLC4 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $17K | — | $17K | 55.88% |
| LEGALSHIELD CORPORATE OFFICE4 | ONE PRE-PAID WAY ADA, OK 74820 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $13K | — | $13K | 43.99% |
| ANNETTE C. SIMON4 | 1386 GIVAN AVE BRONX, NY 10469 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $220 | — | $220 | 0.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 W. BOY SCOUT BLVD. STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | $113 | $396 | 7.00% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $283 | $283 | 5.00% |
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 | 2,315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 602 | $3.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,807 | $2.0M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,948 | $197K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,315 | $800K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,315 | $549K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,433 | $384K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,315 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,807 | — |
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.