| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 1200 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | $0 | $135K | 9.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $54K | $54K | 3.82% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.13% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.67% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.87% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MA 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 18.30% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.35% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.70% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 18.26% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.28% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 18.30% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.35% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.70% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.14% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $484 | $484 | 1.67% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 1200 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.31% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DRIVE #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $362 | $362 | 3.40% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $181 | $0 | $181 | 1.70% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.21% |
| THE BALDWIN GROUP WEST LLC3 | 2211 MICHELSON DR #1200 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $216 | $216 | 3.88% |
| THE BALDWIN GROUP WEST LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $99 | $0 | $99 | 1.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL CARRIER | Claims processing; Other services; Float revenue; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $117K |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $191K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $29K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $75K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.