| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST | 2255 RIDGE ROAD SUITE 333 ROCKWALL, TX 75087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILITATES (CIGNA) | $22K | $0 | $22K | 9.88% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $0 | $17K | 12.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 12.82% |
| INSGROUP INC3 Filed as: INSGROUP LLC DBA K&S INSURANCE | 5151 SAN FELIPE STE 2400 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.30% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $648 | $0 | $648 | 10.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BALDWIN GROUP EIN 34-1320317 AGENT | Insurance agents and brokers Service code 22 | — | $183K |
| BEVCAP MANAGEMENT, LLC EIN 26-1870141 AGENT | Insurance agents and brokers Service code 22 | — | $128K |
| BOON CHAPMAN - LTD EIN 74-2305238 ADMIN | Claims processing; Plan Administrator Service code 12 | — | $100K |
| AETNA - PPO EIN 06-6033492 ADMIN | Insurance services Service code 23 | — | $78K |
| BEVCAP HEALTH CAPTIVE - NC EIN 26-1870141 ADMIN | Plan Administrator Service code 14 | — | $22K |
| BOON-CHAPMAN EIN 74-2305238 ADMIN | Plan Administrator Service code 14 | — | $12K |
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 | 790 | 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) | 790 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILITATES (CIGNA) | 417 | $219K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 511 | $36K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $135K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 86 | $21K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 666 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.