| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST,L | 10575 KATY FREEWAY SUITE 150 HOUSTON, TX 77024 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $30K | $18K | $49K | 21.36% |
| NATIONAKL ENROLLMENT SERV3 | 450 SKOKIE BOULEVARD SUITE 702 NORTHBROOK, IL 60062 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $30K | — | $30K | 13.25% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.35% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST | 4211 WEST BOY SCOUT BOULEVARD TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 19.55% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 13.53% |
| WEB TPA3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $5K | $5K | 9.24% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $5K | $5K | 8.06% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 27.13% |
| LABOW MAIA3 Filed as: LABOW HOWARD B | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 24.45% |
| TORRES ERIKA M3 | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.68% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 111 | $905K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 151 | $228K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 151 | $228K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $59K |
| Short-term disability | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 151 | $228K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 111 | $905K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 151 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.