| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 4.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 1.98% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MA 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.48% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE #400 TOWSON, MA 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $5K | $6K | 5.37% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 14.80% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.20% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 11.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 4.16% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 11.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 4.16% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.27% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC LLC | 501 FAIRMONT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $390 | $868 | $1K | 5.57% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $220 | $220 | 0.97% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 11.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $932 | $0 | $932 | 4.16% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 14.80% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $501 | $0 | $501 | 5.20% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $303 | $0 | $303 | 11.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $106 | $0 | $106 | 4.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE #400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98 | $0 | $98 | 8.44% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC LLC | 501 FAIRMONT AVE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18 | $58 | $76 | 6.55% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $22 | $22 | 1.89% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $36 | $0 | $36 | 9.86% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.4M |
| Dental(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $143K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $22K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $77K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.