| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | $124K | $149K | 5.23% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 12.80% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.80% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $4K | $48 | $4K | 3.68% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF TEXAS | $688 | $0 | $688 | 0.62% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE STREET, SUITE 2400 HOUSTON, TX 77056 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $804 | $2K | 22.74% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 833 | $3.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 833 | $2.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 833 | $2.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $265K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $265K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $275K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 833 | $3.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 833 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.