| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR STE 1200 IRVINE, CA 926120304 | KAISER FOUNDATION HEALTH PLAN INC. | $93K | $175 | $93K | 4.30% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $38K | — | $38K | 4.10% |
| THE BALDWIN GROUP WEST LLC3 | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | $20K | $10K | $30K | 3.21% |
| THE BALDWIN GROUP WEST LLC3 | 4211 W BOY SCOUT BLVD TAMPA, FL 33607 | AETNA LIFE INSURANCE CO. | — | $3K | $3K | 0.31% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $65K | — | $65K | 14.45% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 18.35% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $8 | — | $8 | 1.45% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE SUITE 1200 IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46 | — | $46 | 9.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $303K |
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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 799 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 1,191 | $930K |
| Vision | AETNA LIFE INSURANCE CO. | 1,191 | $930K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 796 | $450K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 796 | $450K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 516 | $1.2M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 796 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,191 | — |
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.