| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. FL24 HOUSTON, TX 77056 | HARTFORD LIFE AND ACCIDENT | $100K | — | $100K | 16.88% |
| BENEUSA LLC3 | 261 SCHOOL AVENUE SUITE 350 EXCELSIOR, MN 55331 | HARTFORD LIFE AND ACCIDENT | — | $24K | $24K | 4.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL. HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.77% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.23% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.83% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.17% |
| INSGROUP INC3 Filed as: INSGROUP LLC | 5151 SAN FELIPE 24TH FLOOR HOUSTON, TX 77056 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
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 | 821 | 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) | 823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $415K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 645 | $80K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 821 | $592K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 821 | $592K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 821 | $592K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 821 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 821 | — |
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.