--- title: "The Baldwin Group vs Marsh: Employee Health Benefits" description: "Marsh McLennan Agency documents benefits lines, actuarial services and an advisor-led design process, while Baldwin documents government-contractor consortium and M&A benefits advisory." canonical: "https://spot.insure/compare/baldwin-vs-marsh/employee-health-benefits" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-marsh" provider-a: "baldwin" provider-b: "marsh" coverage-line: "employee-health-benefits" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/baldwin-vs-marsh/employee-health-benefits) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and Marsh for Employee Health Benefits: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Employee Health Benefits questions about The Baldwin Group versus Marsh. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - The Baldwin Group vs Marsh for Employee Health Benefits: how do they differ? - Which is better for Employee Health Benefits, The Baldwin Group or Marsh? - What does The Baldwin Group or Marsh publish about Employee Health Benefits (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employee Health Benefits from The Baldwin Group or Marsh? **Key facts:** - Line: Employee Health Benefits. Providers: The Baldwin Group and Marsh. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [The Baldwin Group vs Marsh](https://spot.insure/compare/baldwin-vs-marsh) — parent: all coverage lines for this pair - [Employee Health Benefits guide](https://spot.insure/coverage/employee-health-benefits) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence) - [The Baldwin Group vs Marsh Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh/builders-risk) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-marsh/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Crime Insurance](https://spot.insure/compare/baldwin-vs-marsh/crime) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Cyber Insurance](https://spot.insure/compare/baldwin-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh D&O Insurance](https://spot.insure/compare/baldwin-vs-marsh/directors-officers) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Fidelity Bonds](https://spot.insure/compare/baldwin-vs-marsh/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Intellectual Property Insurance](https://spot.insure/compare/baldwin-vs-marsh/intellectual-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-marsh/kidnap-ransom) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Management Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/management-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-marsh/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Surety Bonds](https://spot.insure/compare/baldwin-vs-marsh/surety-bonds) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-marsh/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Employee Health Benefits](https://spot.insure/compare/aig-vs-baldwin/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh Employee Health Benefits](https://spot.insure/compare/aig-vs-marsh/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Founder Shield Employee Health Benefits](https://spot.insure/compare/baldwin-vs-foundershield/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Gallagher Employee Health Benefits](https://spot.insure/compare/baldwin-vs-gallagher/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/compare/baldwin-vs-heffernan/employee-health-benefits) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs Marsh: How Do They Compare for Employee Health Benefits? Marsh McLennan Agency documents benefits lines, actuarial services and an advisor-led design process, while Baldwin documents government-contractor consortium and M&A benefits advisory. ## How to Use the The Baldwin Group vs Marsh Employee Health Benefits Comparison Use this comparison to evaluate The Baldwin Group and Marsh for Employee Health Benefits against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## The Baldwin Group vs Marsh Employee Health Benefits Summary Both act as advisors rather than insurers; MMA lists group health, stop-loss and captive services, while Baldwin highlights its GovConHealth consortium and analytics. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## What Is Marsh? Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [5](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [6](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [7](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [8](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management") [Marsh profile](https://spot.insure/insurance-providers/marsh) ## What Are Employee Health Benefits? Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. [10](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf "Health Insurance Basics") [11](https://www.healthcare.gov/small-businesses/learn-more/ "Health Insurance for Businesses") [12](https://www.healthcare.gov/choose-a-plan/your-total-costs/ "Your Total Costs for Health Care: Premium, Deductible, and Out-of-Pocket Costs") [13](https://www.healthcare.gov/small-businesses/choose-and-enroll/enroll-in-shop/ "How to Offer SHOP Health Insurance to Your Employees") [14](https://www.healthcare.gov/choose-a-plan/ "3 Things to Know Before You Pick a Health Insurance Plan") ## What Are the Key Differences Between The Baldwin Group and Marsh Employee Health Benefits? ### Audience and program focus Baldwin's GovConHealth page addresses government contractors with healthcare-buying consortium options, and its M&A practice lists medical, dental, vision and life benefits for portfolio companies [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management"). MMA describes a general benefits consulting practice that helps translate business goals into a plan [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance"). ### Services beyond placement Baldwin lists needs analysis, cost and claims analytics, compliance support and plan design [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management"). MMA lists actuarial services, legal-team compliance oversight, HR technology consulting and Captive Solutions for stop-loss volatility [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance"). ### Carriers and process Neither source names the insurer for an employer's plan: MMA negotiates with multiple carriers, and Baldwin says carrier and network partners must be confirmed for each program [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management"). MMA describes an advisor-led process matching needs and budget to market plans [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance"). ## What Should You Confirm in The Baldwin Group and Marsh Employee Health Benefits Quotes? - Which carriers and networks would be in your program? [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") - Is stop-loss or a captive structure relevant to your funding? [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") - Does the consortium option apply to your company? [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") ## The Baldwin Group vs Marsh Employee Health Benefits Compared | Criteria | Baldwin Employee Health Benefits Advisory | Marsh McLennan Agency Employee Health & Benefits | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Employee Health Benefits Advisory. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | Marsh McLennan Agency (MMA) is an employee benefits consulting and brokerage practice: it says it helps translate a client's business goals into a benefits plan, negotiates with carriers, and does not itself insure the plans it places. [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") (Evidence: Company-reported; scope: MMA employee health and benefits page..) | | Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific health or benefits carrier; MMA describes its role as negotiating with multiple carriers on a client's behalf rather than underwriting plans itself. [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") (Evidence: Not publicly disclosed; scope: MMA employee health and benefits page as read on 2026-09-23..) | | Who It’s For | Baldwin’s GovConHealth page addresses government contractors and describes healthcare-buying consortium options; its M&A practice lists medical, dental, vision and life benefits for portfolio-company contexts. These are advisory/program scopes, not a complete plan availability map. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | Confirm in your quote. | | Coverage Features | Baldwin describes employee-health and medical-benefit strategies and identifies network partners for its GovConHealth consortium. It does not identify a standard health policy, insurer, network contract or benefits schedule for an individual employer. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | MMA lists group health, absence/disability/life insurance, voluntary benefits and stop-loss solutions for self-funded employers among the programs it helps design and place, alongside non-insurance services like compliance support and pharmacy benefit consulting. [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") (Evidence: Company-reported; scope: MMA employee health and benefits page, Our Solutions section; a catalogue of services, not a specific plan's terms..) | | Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | Confirm in your quote. | | Risk Services | Baldwin describes benefits needs analysis, cost and claims analytics, compliance support, plan design and ongoing service. Its listed carrier/network partners and plan structure must be confirmed for the employer’s specific program. [3](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | MMA lists a range of services beyond placement, including actuarial services to measure financial exposure, compliance support and oversight from its legal team, HR technology consulting, and Captive Solutions, an alternative risk tool MMA says limits stop-loss policy volatility for its clients. [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") (Evidence: Company-reported; scope: MMA employee health and benefits page, Our Solutions section..) | | How to Apply | Confirm in your quote. | MMA says its consultants assess a client's business, cross-reference employee demographics and survey data, and match needs and budget to a range of market plans during plan design; the page describes an advisor-led process rather than an online quote. [9](https://www.marshmma.com/us/services/employee-health-and-benefits.html "Employee Health & Benefits Group Insurance") (Evidence: Company-reported; scope: MMA employee health and benefits page, What does an employee benefits consultant do? FAQ..) | ## Related Pages for The Baldwin Group vs Marsh Employee Health Benefits - [The Baldwin Group vs Marsh](https://spot.insure/compare/baldwin-vs-marsh): all coverage lines, business roles, service and claims. - [What Are Employee Health Benefits?](https://spot.insure/coverage/employee-health-benefits): Employer health benefits help eligible employees pay for care; compare plan funding, networks, employee contributions and total cost before choosing an option. - [The Baldwin Group vs Marsh Builders Risk Insurance](https://spot.insure/compare/baldwin-vs-marsh/builders-risk) - [The Baldwin Group vs Marsh Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-marsh/commercial-property) - [The Baldwin Group vs Marsh Crime Insurance](https://spot.insure/compare/baldwin-vs-marsh/crime) - [The Baldwin Group vs Marsh Cyber Insurance](https://spot.insure/compare/baldwin-vs-marsh/cyber) - [The Baldwin Group vs Marsh D&O Insurance](https://spot.insure/compare/baldwin-vs-marsh/directors-officers) - [The Baldwin Group vs Marsh Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/employment-practices) - [The Baldwin Group vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-marsh/equipment-breakdown) - [The Baldwin Group vs Marsh Fidelity Bonds](https://spot.insure/compare/baldwin-vs-marsh/fidelity-bonds) - [The Baldwin Group vs Marsh Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/fiduciary) - [The Baldwin Group vs Marsh Intellectual Property Insurance](https://spot.insure/compare/baldwin-vs-marsh/intellectual-property) - [The Baldwin Group vs Marsh Kidnap and Ransom Insurance](https://spot.insure/compare/baldwin-vs-marsh/kidnap-ransom) - [The Baldwin Group vs Marsh Management Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh/management-liability) - [The Baldwin Group vs Marsh Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-marsh/professional-errors-omissions) - [The Baldwin Group vs Marsh Surety Bonds](https://spot.insure/compare/baldwin-vs-marsh/surety-bonds) - [The Baldwin Group vs Marsh Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-marsh/workers-compensation) - [AIG vs The Baldwin Group Employee Health Benefits](https://spot.insure/compare/aig-vs-baldwin/employee-health-benefits) - [AIG vs Marsh Employee Health Benefits](https://spot.insure/compare/aig-vs-marsh/employee-health-benefits) - [The Baldwin Group vs Founder Shield Employee Health Benefits](https://spot.insure/compare/baldwin-vs-foundershield/employee-health-benefits) - [The Baldwin Group vs Gallagher Employee Health Benefits](https://spot.insure/compare/baldwin-vs-gallagher/employee-health-benefits) - [The Baldwin Group vs Heffernan Insurance Brokers Employee Health Benefits](https://spot.insure/compare/baldwin-vs-heffernan/employee-health-benefits) - [The Baldwin Group vs HUB International Employee Health Benefits](https://spot.insure/compare/baldwin-vs-hub-international/employee-health-benefits) ## Sources for The Baldwin Group vs Marsh Employee Health Benefits ### Sources About The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 3. [Government Contractor Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/government/). The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29.. Accessed 2026-09-30. 4. [M&A, Private Equity & VC Risk Management](https://baldwin.com/business-insurance/solutions/private-equity/). The Baldwin Group; Transactional-risk insurance and placement claims lines 72–80; P&C line list lines 101–116; accessed 2026-09-29.. Accessed 2026-09-30. ### Sources About Marsh 5. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16. 6. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16. 7. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16. 8. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16. 9. [Employee Health & Benefits Group Insurance](https://www.marshmma.com/us/services/employee-health-and-benefits.html). Marsh McLennan Agency; Our Solutions list (Absence/Disability/Life, Actuarial Services, Captive Solutions, Compliance Support, Pharmacy Benefit Solutions, Stop Loss Solutions, Voluntary Benefits, Workers' Health 360); FAQs: What are the advantages of working with an employee benefits consulting firm?; What does an employee benefits consultant do?; What are the advantages of a group health insurance plan?. Accessed 2026-09-23. ### Sources for the Employee Health Benefits Guide 10. [Health Insurance Basics](https://www.cms.gov/files/document/nsa-health-insurance-basics.pdf). Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16. 11. [Health Insurance for Businesses](https://www.healthcare.gov/small-businesses/learn-more/). HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16. 12. [Your Total Costs for Health Care: Premium, Deductible, and Out-of-Pocket Costs](https://www.healthcare.gov/choose-a-plan/your-total-costs/). HealthCare.gov / CMS; Your total costs for health care; Compare estimated total costs for plans. Accessed 2026-09-16. 13. [How to Offer SHOP Health Insurance to Your Employees](https://www.healthcare.gov/small-businesses/choose-and-enroll/enroll-in-shop/). HealthCare.gov / CMS; Making a SHOP health insurance decision; Choosing a stand-alone dental plan; How to enroll through SHOP; Paying premiums & managing coverage; How to renew. Accessed 2026-09-16. 14. [3 Things to Know Before You Pick a Health Insurance Plan](https://www.healthcare.gov/choose-a-plan/). HealthCare.gov / CMS; How do I get details on plans?; Plan and network types. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## The Baldwin Group Review Scores for 2026 Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## Marsh Review Scores for 2026 Review Score: 5.8 / 10 from 2 rated sources, equally weighted. Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts. - Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com) - Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/marsh/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/baldwin-vs-marsh/employee-health-benefits.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)