| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | $0 | $43K | 13.64% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 1455 WEST LOOP S 9TH FLR HOUSTON, TX 77027 | DEARBORN LIFE INSURANCE COMPANY | $11K | $5K | $16K | 22.47% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | 500 W 13TH STREET FORT WORTH, TX 76102 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.83% |
| KILPATRICK COMPANIES LLC3 | 1050 WILCREST DR HOUSTON, TX 77042 | DEARBORN LIFE INSURANCE COMPANY | $0 | $105 | $105 | 0.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 4851 LYNDON B JOHNSON FWY STE 100 DALLAS, TX 75244 | DEARBORN LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Plan Administrator Service code 13 | — | $4K |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $314K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $314K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $314K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 91 | $73K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $73K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 91 | $73K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 91 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.