| 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 BLUECHOICE, INC. | $7K | $79K | $86K | 4.86% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $13 | $13 | 0.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 20.94% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $854 | $8K | 20.70% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $834 | $8K | 21.24% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 4.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $1K | $230 | $2K | 8.30% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 7.05% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | $0 | $864 | $864 | 4.69% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $1K | $183 | $1K | 8.33% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 7.06% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | $0 | $676 | $676 | 4.69% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BLVD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $1K | $180 | $1K | 8.54% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $1K | $0 | $1K | 7.24% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTER | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | $0 | $667 | $667 | 4.81% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 159 | $1.8M |
| Dental | CAREFIRST BLUECHOICE, INC. | 159 | $1.8M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $48K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 159 | $1.8M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 195 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.