| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | RELIASTAR LIFE INSURANCE COMPANY | $121K | — | $121K | 7.80% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS, CORP | 125 EDINBURGH SOUTH DR STE 300 CARY, NC 27511 | RELIASTAR LIFE INSURANCE COMPANY | $47K | $47K | $93K | 6.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DR STE 1200 IRVINE, CA 92612 | RELIASTAR LIFE INSURANCE COMPANY | $65K | — | $65K | 4.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 205 EAST RIVE PARK CIRCLE SUITE 220 FRESNO, CA 93720 | SYMETRA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST LLC | 2211 MICHELSON DR STE 1200 IRVIINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $969 | $848 | $2K | 4.66% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 205 EAST RIVE PARK CIRCLE SUITE 220 FRESNO, CA 93720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.10% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 15901 RED HILL AVE STE 100 TUSTIN, CA 92780 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $125 | $1K | 5.16% |
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 | 469 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 467 | $27K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $39K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 466 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.