| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 4.76% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SRVS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 3.25% |
| PINETREE CAPITAL LLC3 | 5511 UNIVERSITY DRIVE SUITE 102 CORAL SPRINGS, FL 33442 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.64% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC. | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.40% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC. | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.30% |
| THE BALDWIN GROUP WEST LLC3 Filed as: TH BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | — | $677 | 5.70% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD DEERFIELD BEACH, FL 33442 | VISION SERVICE PLAN | $442 | — | $442 | 4.98% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 900 TAMPA, FL 33607 | VISION SERVICE PLAN | $253 | — | $253 | 2.85% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $11 | — | $11 | 0.12% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $176 | — | $176 | 2.87% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $130 | — | $130 | 2.12% |
| FIDELITY INSURANCE AGENCY INC3 Filed as: FIDELITY INSURANCE AGENCY, INC. | 500 JIM MORAN BLVD #107 DEERFIELD BEACH, FL 33442 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $376 | — | $376 | 8.25% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $307 | — | $307 | 6.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMIN FEES | Named fiduciary; Participant communication; Other services; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $29K |
| FLORIDA HEALTH ADMINISTRATORS, INC. SERVICE FEES | Insurance agents and brokers; Contract Administrator Service code 13 | 6861 SW 196TH AVE SUITE 402 FORT LAUDERDALE, FL 33332 | $3K |
| DENTEMAX LLC SERVICE FEES | Insurance agents and brokers; Contract Administrator Service code 13 | 300 E RANDOLPH ST CHICAGO, IL 60601 | $1K |
| FIDELITY INSURANCE SERVICE FEES | Contract Administrator; Insurance agents and brokers Service code 13 | 500 JIM MORAN BLVD #7 DEERFIELD BEACH, FL 33442 | $268 |
| THE BALDWIN GROUP SOUTHEAST LLC SERVICE FEES | Insurance agents and brokers; Contract Administrator Service code 13 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | $238 |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $254K |
| Vision | VISION SERVICE PLAN | 51 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $16K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.