| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | $0 | $38K | 7.14% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | $0 | $33K | 6.08% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FIN SVCS DBA NEWFRONT | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $2K | $9K | 1.58% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INSURANCE & FIN SVCS, INC. | 777 MARINERS ISLAND, SUITE 250 SAN MATEO, CA 94404 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.90% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.17% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE INC | 6300 BRIDGPOINT PKWY BLDG 3 SUITE 500 AUSTIN, TX 78730 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $344 | $0 | $344 | 0.51% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50 | $50 | 0.07% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $537K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $537K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $537K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 233 | $68K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 233 | $68K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 233 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.