| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | BLUE SHIELD OF CALIFORNIA | $3K | $38K | $41K | 3.72% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | BLUE SHIELD OF CALIFORNIA | $0 | $21K | $21K | 1.91% |
| DAVID STANLEY BARNES3 | 1036 NORTH TUSTIN AVENUE ANAHEIM, CA 92807 | BLUE SHIELD OF CALIFORNIA | $613 | $15K | $15K | 1.38% |
| DAVID STANLEY BARNES3 Filed as: DAVID BARNES | 1075 NORTH CHEYENNE STREET ORANGE, CA 92869 | ANTHEM LIFE INSURANCE COMPANY | $645 | $0 | $645 | 2.89% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | ANTHEM LIFE INSURANCE COMPANY | $0 | $634 | $634 | 2.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | ANTHEM LIFE INSURANCE COMPANY | $624 | $0 | $624 | 2.80% |
| DAVID STANLEY BARNES3 Filed as: DAVID BARNES | 1075 NORTH CHEYENNE STREET ORANGE, CA 92869 | STANDARD INSURANCE COMPANY | $735 | $0 | $735 | 5.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $229 | $0 | $229 | 1.67% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 133 | $1.1M |
| Dental | BLUE SHIELD OF CALIFORNIA | 133 | $1.1M |
| Vision | BLUE SHIELD OF CALIFORNIA | 133 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 248 | $36K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 133 | $1.1M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 248 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
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.