| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | — | BLUECROSS BLUESHIELD OF TEXAS | $51K | — | $51K | 2.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 4211 WEST BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.90% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.63% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 17.46% |
| THE BADLWIN GROUP SOUTHWEST LLC3 | 5151 SAN FELIPE ST. HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 17.46% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | 370 S LAZY BEND ESTATES RD MILLSAP, TX 76066 | AFLAC | $1K | — | $1K | 11.06% |
| INSGROUP INC3 Filed as: INSGROUP, LLC DBA K&S INSURANCE | 2255 RIDGE RD. SUITE 333 ROCKWALL, TX 75087 | EYEMED VISION CARE | $1K | — | $1K | 10.02% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 4211 WEST BOY SCOUT BLVD. SUITE 800 TAMPA, FL 33607 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $785 | — | $785 | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST LLC | 5151 SAN FELIPE ST. HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $437 | — | $437 | 17.45% |
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 | 172 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 197 | $1.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $109K |
| Vision | EYEMED VISION CARE | 163 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $15K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.