| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST OF MARYLAND, INC. | $0 | $18K | $18K | 5.88% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | PO BOX 10100 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | $0 | $1K | $1K | 0.41% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | THE BALDWIN GROUP MID-ATLANTIC BETHESDA, MD 20817 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $17K | $4K | $21K | 18.95% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | THE BALDWIN GROUP MID-ATLANTIC MOUNT AIRY, MD 21771 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 6.32% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.90% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $582 | $0 | $582 | 1.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $160 | $160 | 0.36% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.06% |
| MALDEN SOLUTIONS LLC3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 11.52% |
| LORI ANN DEAN3 | 936 PLEASANT HILL LANE BOWIE, MD 20716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 9.70% |
| LILLIAN A NASH3 Filed as: LILLIAN AMANDA NASH | 10718 TRAFTON DRIVE UPPER MARLBORO, MD 20774 | CONTINENTAL AMERICAN INSURANCE COMPANY | $890 | $0 | $890 | 3.19% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE #400 BETHESDA, MD 20817 | CONTINENTAL AMERICAN INSURANCE COMPANY | $585 | $0 | $585 | 2.10% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA MARK PINCUS-SOKOLIFF | 1474 STEVENSON STREET BALTIMORE, MD 21230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | $0 | $551 | 1.97% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 24 | $308K |
| Dental(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 140 | $352K |
| Vision(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 140 | $352K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $110K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $110K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $110K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 24 | $308K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 119 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.