| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 2951 PDMN ROAD NE, SUITE 200 ATLANTA, GA 30305 | PRINCIPAL LIFE INSURANCE COMPANY | $93K | $0 | $93K | 13.02% |
| MARSHBERRY CONNECT PLATFORM LLC3 | PO BOX 72560 CLEVELAND, OH 44192 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.47% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 2100 3RD AVENUE NORTJ, SUITE 410 BIRMINGHAM, AL 35203 | VISION SERVICE PLAN | $4K | $0 | $4K | 5.99% |
| UNKNOWN3 | UNKNOWN HUNTSVILLE, AL 35806 | FRESHBENNIES | $299 | $0 | $299 | 10.02% |
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 | 527 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 852 | $3.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 852 | $3.8M |
| Vision | VISION SERVICE PLAN | 310 | $63K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 639 | $718K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 639 | $718K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 639 | $718K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 639 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.