| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSGROUP, INC | 5151 SAN FELIPE, 24TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.69% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 1.68% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.75% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.25% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.11% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $414 | $414 | 0.89% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 770563632 | VISION SERVICE PLAN | $2K | — | $2K | 3.96% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE 24TH FL HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.75% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 | 1127 DEERFIELD RD. RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $462 | $462 | 1.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $1K | $46 | $1K | 14.08% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 680 | $283K |
| Vision | VISION SERVICE PLAN | 284 | $43K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $47K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 680 | — |
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.