| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | HUMANA | $3K | $0 | $3K | 3.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC. LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 16.79% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 8.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.60% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $890 | $890 | 1.79% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $590 | $5K | 17.16% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $593 | $4K | 23.24% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $194 | $3K | 21.37% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $852 | $0 | $852 | 6.62% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 26.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.05% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $209 | $2K | 16.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $407 | $969 | 8.62% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 189 | $90K |
| Vision | VISION SERVICE PLAN | 184 | $13K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 266 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $61K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $50K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 266 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
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.