| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.70% |
| WEATHERFORD INSURANCE, LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.42% |
| MICHAEL R REBER3 Filed as: MICHAEL ROY REBER | 17425 BRIDGE HILL CT SUITE 100 TAMPA, FL 33647 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 24.69% |
| CRAIG KUHL3 Filed as: CRAIG STEPHAN KUHL | 2001 W DE LEON ST APT 4 TAMPA, FL 33606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 13.40% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 4.92% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.43% |
| WEATHERFORD INSURANCE, LLC3 | 2502 WEST FIG STREET, UNIT 1 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $959 | $0 | $959 | 3.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $480 | $480 | 1.79% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $269 | $0 | $269 | 6.15% |
| WEATHERFORD INSURANCE, LLC3 | 2502 WEST FIG STREET, UNIT 1 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $169 | $0 | $169 | 3.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $84 | $84 | 1.92% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $264 | $0 | $264 | 9.41% |
| WEATHERFORD INSURANCE, LLC3 | 2502 WEST FIG STREET, UNIT 1 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $156 | $0 | $156 | 5.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $52 | $52 | 1.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $244 | $0 | $244 | 9.68% |
| WEATHERFORD INSURANCE, LLC3 | 2502 WEST FIG STREET, UNIT 1 TAMPA, FL 33609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $134 | $0 | $134 | 5.32% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERVI | 1133 WESTCHESTER AVE SUITE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $45 | $45 | 1.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 64 | $166K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $27K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $4K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $3K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 35 | $31K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 35 | $31K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.