| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4221 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | SYMETRA LIFE INSURANCE COMPANY | $246K | $127K | $373K | 13.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $169K | $14K | $183K | 6.62% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | PO BOX 120 MT. AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $0 | $80K | $80K | 2.91% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $62K | $0 | $62K | 2.25% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $0 | $29K | $29K | 1.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4221 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | DELTA DENTAL OF TENNESSEE | $66K | $0 | $66K | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $21K | $0 | $21K | 1.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN, INC. | $34K | $0 | $34K | 2.51% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4221 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN, INC. | $31K | $0 | $31K | 2.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $0 | $56K | 9.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 6.49% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY, LLC | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.53% |
| DIALOG HEALTH, INC.3 | 840 CRESCENT CENTER DRIVE SUITE 600 FRANKLIN, TN 37067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.49% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $602 | $8K | 3.56% |
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 | 2,860 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 126 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 5,124 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,600 | $218K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,935 | $2.8M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,935 | $2.8M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,935 | $2.8M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 126 | $1.4M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,935 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.