| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE IRVINE, CA 92612 | CIGNA HEALTHCARE OF CALIFORNIA | $150K | $0 | $150K | 2.03% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 0.82% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $56K | $4K | $60K | 12.92% |
| SETH JAFFE3 Filed as: SETH L. JAFFE | 4127 EAST MASSACHUSETTS STREET LONG BEACH, CA 90814 | AFLAC | $14K | $760 | $15K | 7.88% |
| BRADLEY STEVEN COSTILO & OTHERS3 | 5770 WEST CENTINELA AVENUE APARTMENT 415 LOS ANGELES, CA 90045 | AFLAC | $6K | $155 | $6K | 3.40% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | AFLAC | $5K | $0 | $5K | 2.77% |
| JESSICA PEREZ3 | 6167 BRISTOL PARKWAY, SUITE 106 CULVER CITY, CA 90230 | AFLAC | $3K | $155 | $3K | 1.64% |
| CREATIVE ASSOCIATES FNCL & INS SVCS3 | 28470 AVENUE STANFORD, SUITE 300 VALENCIA, CA 91355 | AFLAC | $3K | $0 | $3K | 1.35% |
| JOSEPH J DERTHICK3 Filed as: JOSEPH J. DERTHICK | 15428 FLATBUSH AVENUE NORWALK, CA 90650 | AFLAC | $2K | $0 | $2K | 1.11% |
| H HOWARD THOMSON3 | 14938 BARNWALL STREET LA MIRADA, CA 90638 | AFLAC | $2K | $0 | $2K | 1.09% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $10K | $0 | $10K | 9.87% |
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 | 855 | 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) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA | 1,480 | $9.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,480 | $2.7M |
| Vision | VISION SERVICE PLAN | 608 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 853 | $465K |
| Short-term disability | AFLAC | 222 | $187K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 853 | $465K |
| Prescription drug | CIGNA HEALTHCARE OF CALIFORNIA | 1,067 | $7.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 853 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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.