| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.64% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.63% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 13.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.44% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.63% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.92% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 6.47% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.62% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.96% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR, # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.60% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.59% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.13% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.80% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $986 | $0 | $986 | 1.62% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $651 | $651 | 1.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $2K | $12K | 29.05% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR, STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.38% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $665 | $665 | 1.66% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $594 | $0 | $594 | 1.49% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | EYEMED VISION CARE | $5K | $0 | $5K | 17.27% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE | $5K | $0 | $5K | 17.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE | $5K | $0 | $5K | 17.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | SALT MARGIN P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE | $5K | $0 | $5K | 17.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.39% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.50% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $565 | $0 | $565 | 2.61% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $432 | $432 | 2.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.31% |
| THE BALDWIN GROUP WEST LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $427 | $0 | $427 | 2.64% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR # 1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $282 | $282 | 1.75% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | EYEMED VISION CARE | $24 | $0 | $24 | 18.60% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE | $24 | $0 | $24 | 18.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE | $24 | $0 | $24 | 18.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | SALT MARGIN P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE | $24 | $0 | $24 | 18.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $130K |
| THE CAPITAL GROUP EIN 54-0654623 ADMIN | Insurance agents and brokers Service code 22 | — | $98K |
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $87K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $205K |
| Vision(2 contracts) | EYEMED VISION CARE | 511 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $22K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $105K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 286 | $127K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 256 | $454K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.