| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TEXAS | $30K | $3 | $30K | 4.61% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.35% |
| BENEUSA LLC3 Filed as: BENEUSA, LLC | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.22% |
| BENNETT INS SOLUTIONS AND ASSOC LLC3 Filed as: BENNETT INS SOLUTIONS & ASSOCIATES | 1127 DEERFIELD ROAD RICHMOND, TX 77406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $323 | $323 | 0.38% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHWEST, LLC | 5151 SAN FELIPE, 24TH FLOOR HOUSTON, TX 77056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $835 | $0 | $835 | 3.81% |
| MID-CONTINENT COMPANIES3 Filed as: MID-CONTINENT COMPANIES LTD | 1218 WEBSTER STREET HOUSTON, TX 77002 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | — | $537 | 2.45% |
| RACHELLE JANICE JONES3 | 10618 ACACIA FOREST TRAIL HOUSTON, TX 77089 | CONTINENTAL AMERICAN INSURANCE COMPANY | $480 | — | $480 | 2.19% |
| RUBY STA ANA PENA3 | 12218 MEADOW LANE COURT STAFFORD, TX 77477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $479 | — | $479 | 2.19% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $362 | — | $362 | 1.65% |
| CARLOS D ESPINOSA3 Filed as: CARLOS DARIO ESPINOSA | 1164 ROBERT MALLET ROAD ARNAUDVILLE, LA 70512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.60% |
| DEBRA L SCHMIDT3 Filed as: DEBRA LA GATTA SCHMIDT & OTHERS | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.29% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 60 | $646K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $86K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $86K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $86K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 60 | $646K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.