| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GILSBAR, LLC3 Filed as: GILSBAR LLC | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $339 | — | $339 | 0.85% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $212 | $212 | 0.53% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $395 | — | $395 | 1.80% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $197 | $197 | 0.90% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $190 | — | $190 | 0.91% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $89 | $89 | 0.43% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $335 | — | $335 | 1.88% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 0.88% |
| HEALTHCOMP3 Filed as: HEALTHCOMP INTEGRATED SOLUTIONS, LL | 2100 COVINGTON CENTRE COVINGTON, LA 70434 | HCC LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $188 | — | $188 | 1.70% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95 | $95 | 0.86% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $726 | — | $726 | 7.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $84 | — | $84 | 0.87% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $48 | $48 | 0.50% |
| GILSBAR GROUP BENEFITS LLC3 | 2100 COVINGTON CENTRE STE A COVINGTON, LA 70433 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | — | $129 | 1.70% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $69 | $69 | 0.91% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $25K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $11K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $22K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 111 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.