| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $281K | — | $281K | 6.96% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 0.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 0.13% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | — | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | $19K | — | $19K | 3.90% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | FIRST UNUM LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | — | $18K | 9.96% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | $2K | $15K | 16.32% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $13K | — | $13K | 13.92% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | $2K | $13K | 16.15% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $11K | — | $11K | 13.84% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 1511 BALTIMORE, 2ND FLOOR KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 8.09% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 20 S. KING ST. LEESBURG, VA 20175 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.29% |
| RICHARD M WHITELEY3 Filed as: RICHARD M. WHITELEY | 20 S. KING ST. LEESBURG, VA 20175 | METLIFE LEGAL PLANS | — | $5 | $5 | 0.02% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $550 | $4K | 15.68% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 13.42% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $407 | $407 | 2.50% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $220 | $55 | $275 | 12.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $274 | $29 | $303 | 16.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $100 | $23 | $123 | 7.51% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $59 | $13 | $72 | 7.50% |
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 | 1,748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 704 | $4.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,923 | $5.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,923 | $5.1M |
| Life insurance(4 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,016 | $386K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $37K |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,016 | $249K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,923 | $1.1M |
| Other(14 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,923 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,923 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.