| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 15.00% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $24K | $0 | $24K | 44.53% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $15K | $422 | $15K | 28.80% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 19.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 12.76% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $15K | $0 | $15K | 41.42% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $9K | $279 | $9K | 26.80% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES LLC | 2851 CRAIG DR STE 300 MCKINNEY, TX 75072 | UNUM INSURANCE COMPANY | $12K | $0 | $12K | 35.92% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 4211 BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $7K | $247 | $8K | 23.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BEVCAP MANAGEMENT LLC EIN 26-1870141 ADMIN | Claims processing; Plan Administrator Service code 12 | — | $1.1M |
| THE BALDWIN GROUP SOUTHEAST EIN 20-4102683 AGENT | Insurance agents and brokers Service code 22 | — | $163K |
| PERSONIFY HEALTH SOLUTIONS LLC EIN 72-0519951 CARRIER | Claims processing Service code 12 | — | $123K |
| CIGNA HEALTHCARE EIN 59-1031071 ADMIN | Insurance services Service code 23 | — | $57K |
| THE PHIA GROUP LLC EIN 04-3504115 ADMIN | Plan Administrator Service code 14 | — | $10K |
| INNOVU LLC EIN 47-1095218 ADMIN | Plan Administrator Service code 14 | — | $5K |
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 | 784 | 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) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 410 | $174K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 410 | $174K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 784 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $164K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 784 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.