| 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 | $280K | — | $280K | 8.14% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP WEST, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.15% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.15% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | FIRST UNUM LIFE INSURANCE COMPANY | $60K | $8K | $68K | 11.38% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | — | SIERRA HEALTH AND LIFE INSURANCE CO., INC. | $19K | — | $19K | 3.29% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | $3K | $21K | 11.99% |
| 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 | $14K | $2K | $16K | 18.13% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| 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 | $7K | $1K | $9K | 14.07% |
| 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 | — | $960 | $960 | 1.83% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 20 S. KING ST. LEESBURG, VA 20175 | METLIFE LEGAL PLANS | $3K | — | $3K | 9.62% |
| 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 | $4K | $594 | $4K | 19.52% |
| DAVID J MCCLELLAN3 Filed as: DAVID MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER | 1655 RICHMOND AVENUE NEW YORK, NY 10018 | ZURICH AMERICAN INSURANCE COMPANY | $3K | $962 | $4K | 20.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP | 552 SEVENTH AVENUE NEW YORK, NY 10018 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| 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 | $895 | $211 | $1K | 12.36% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $827 | $95 | $922 | 15.28% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $364 | $92 | $456 | 7.93% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S. KING ST. LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $227 | $60 | $287 | 8.07% |
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 | 2,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 169 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,171 | 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 | 265 | $4.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,190 | $4.6M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,190 | $4.6M |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,117 | $667K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 197 | $53K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 898 | $233K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,190 | $1.2M |
| Other(12 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,190 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,190 | — |
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.