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Barbara Matas

Director at Baldwin Insurance Group
Board

About Barbara Matas

Independent director since February 2020; age 65. Former Citigroup senior leveraged finance executive with 30+ years in high‑yield and capital markets; MBA (Finance) University of Michigan; BS (Accounting & Quantitative Analysis) NYU. At BWIN, she chairs the Audit Committee and serves on the Technology & Cyber Risk Committee; the Board deems her independent and an “audit committee financial expert.”

Past Roles

OrganizationRoleTenureNotes/Impact
CitigroupManaging Director; Head/Co‑Head; Chairman, Leveraged Finance Capital Markets1999–2016Led leveraged finance capital markets; deep debt markets expertise
Citicorp; Salomon BrothersBanker, High‑Yield Capital Markets groups1985–1999Extensive high‑yield origination and distribution background

External Roles

OrganizationRoleTenureCommittees/Notes
MidCap Financial Investment Corporation (formerly Apollo Investment Corporation)Director; Nominating & Corporate Governance Member; Audit Committee Chair2017–presentChair of Audit; governance focus
Sleep Number CorporationDirector; Chair, Capital Allocation Committee; Audit Member; former Audit Chair2016–presentCapital allocation leadership; audit oversight
DOROT (non‑profit)Director; Chair, Investment CommitteeN/AInvestment oversight
Middle Market Apollo Institutional Private Lending BDCBoard MemberN/APrivate lending governance

Board Governance

  • Committee assignments: Audit (Chair) and Technology & Cyber Risk (Member); Audit Committee members are all independent and designated “financial experts.”
  • Independence and leadership: Board has 8 of 10 independent directors; lead independent director is Chris Sullivan; executive sessions of independents held quarterly.
  • Classification/term: Class II director; term expires at the 2027 annual meeting.
  • Risk oversight: Audit oversees ERM, financial reporting, internal controls, tax/investment policies, and reviews related‑person transactions. Technology & Cyber Risk covers cybersecurity and data risks.
BodyMeetings Held (2024)Average Attendance (%)
Board of Directors1395%
Audit Committee4100%
Compensation Committee5100%
Nominating & Corporate Governance4100%
Technology & Cyber Risk492%

Fixed Compensation

Component (FY 2024)Amount ($)
Fees earned or paid in cash95,000
Stock awards (grant‑date fair value)78,474
Total173,474
Shares granted (fully vested Class A)2,463
2025 Director Compensation StructureAmount ($)
Annual Board cash retainer105,000
Annual Board stock retainer105,000
Audit Committee Chair retainer20,000
  • No per‑meeting fees; directors are reimbursed for reasonable expenses; non‑employee directors do not receive retirement benefits, incentive compensation or perquisites.

Performance Compensation

MetricApplicability to Non‑Employee Directors
Annual cash/stock incentive planNot provided to directors
Performance shares/PSUs; optionsNot provided to directors
Discretionary bonusesNot provided to directors

The company explicitly states non‑employee directors are not entitled to incentive compensation, retirement benefits or perquisites.

Other Directorships & Interlocks

CompanyOverlap/Interlock with BWIN counterpartiesNotes
MidCap Financial Investment Corp.None disclosedAudit Chair at MidCap; no BWIN transaction disclosed
Sleep Number Corp.None disclosedCapital Allocation Chair; no BWIN transaction disclosed
  • Related‑party transactions at BWIN (context for conflicts oversight): Commission revenue from The Villages and affiliates ($3.1M); office leases with The Villages ($0.9M rent); brokerage commissions with an entity 35% owned by Compensation Committee member Chris Sullivan ($0.2M). Audit Committee (chaired by Matas) oversees RPT policy and approvals.

Expertise & Qualifications

  • Audit/financial reporting and public company governance (Audit Committee financial expert; Audit Chair at BWIN and MidCap).
  • Capital allocation and investment; mergers & acquisitions; insurance/risk industry knowledge per Board skills matrix.
  • Technical oversight via Technology & Cyber Risk Committee membership.
  • Education: MBA (Finance) University of Michigan; BS (Accounting & Quantitative Analysis) NYU.

Equity Ownership

HolderClass A Shares (#)Class B Shares (#)Combined Voting Power (%)
Barbara Matas14,612 <1%
  • Shares outstanding at record date: Class A 70,236,423; Class B 48,257,594.
  • Stock ownership guidelines: non‑employee directors must hold 5× annual Board cash retainer within 5 years; shares subject to pledges do not count.
  • Guideline targets (derived): 2024 basis 5×$75,000 = $375,000 ; 2025 basis 5×$105,000 = $525,000
  • Compliance status: Individual compliance not disclosed.
Recent Insider Form 4 Filings (Barbara Matas)
Jan 3, 2025 (trade date Jan 1, 2025): Form 4, Award (A), 614 shares; direct holdings updated.
Jul 2, 2025: Form 4 filed (details in SEC index).
Oct 3, 2025 (trade date Oct 1, 2025): Form 4, Award (A), 861 shares; direct holdings updated.

Say‑on‑Pay & Shareholder Feedback

Proposal (2025 AGM)ForAgainstAbstainBroker Non‑Votes
Advisory Vote on NEO Compensation97,572,489 2,664,822 361,392 4,318,970

Strong support for executive pay suggests general investor confidence in governance oversight, including committees chaired by independent directors.

Governance Assessment

  • Strengths

    • Independent director with deep debt markets and audit expertise; designated financial expert; chairs Audit Committee and contributes to cyber oversight.
    • Board majority independent; quarterly executive sessions; clear committee charters; Audit Committee directly reviews related‑person transactions.
    • Director pay mix includes equity (fully vested shares), supporting ownership alignment; increased 2025 retainers align with peer median.
    • Explicit stock ownership guidelines for directors at 5× cash retainer encourage “skin‑in‑the‑game.”
  • Watch items / RED FLAGS

    • Complex shareholder rights architecture: 2019/2024 Stockholders Agreements include holder approval rights and board nomination influence while pre‑IPO holders meet “Substantial Ownership Requirement”; Delaware litigation (Ruby Wagner) led to invalidation of certain approval rights and adoption of a new agreement; ongoing appeal and fee award risk. Independent committee established to safeguard decisions.
    • Related‑party transactions with major holder (The Villages) and a sitting Compensation Committee member’s affiliated entity; while disclosed and under Audit oversight, these can present perceived conflicts.
    • Dual‑class structure with significant Class B voting power concentrated among insiders and holders; potential governance overhang despite independent committees.

Overall, Matas’ audit leadership and independence are positives for financial stewardship and risk oversight; continued transparency and robust Audit Committee review of related‑party dealings and stockholder agreements are key to sustaining investor confidence.