| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $31K | $2K | $33K | 4.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 15.31% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 Filed as: BENNETT INS. SOLUTIONS & ASSO., LLC | 1127 DEERFIELD ROAD RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.53% |
| MID-CONTINENT COMPANIES3 Filed as: MID CONTINENT COMPANIES, LTD | 1218 WEBSTER STREET HOUSTON, TX 77002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $477 | — | $477 | 2.48% |
| INSGROUP INC3 Filed as: INSGROUP, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 2.16% |
| RACHELLE JANICE JONES3 | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $414 | $0 | $414 | 2.16% |
| RUBY STA ANA PENA3 | 12218 MEADOW LANE COURT TAFFORD, TX 77477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $412 | $0 | $412 | 2.15% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | $0 | $322 | 1.68% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $319 | $0 | $319 | 1.66% |
| CARLOS DARIO ESPINOSA & OTHERS3 | 1164 ROBERT MALLET ROAD ARNAUDVILLE, LA 70512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.93% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 71 | $732K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $100K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $100K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $100K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $100K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 71 | $732K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 153 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.