| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE CO. OF AMERICA | $26K | $1K | $28K | 19.20% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 7.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LEGAL RESCOURCES | $669 | — | $669 | 4.30% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE CO. OF AMERICA | $2K | $135 | $3K | 19.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM INSURANCE CO. | $1K | $109 | $2K | 14.77% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM INSURANCE CO. | $1K | $155 | $2K | 16.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | STARMOUNT LIFE INS. CO. | $496 | $55 | $551 | 9.45% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE CO. | $703 | $69 | $772 | 17.07% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 149 | $78K |
| Vision | STARMOUNT LIFE INS. CO. | 57 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE CO. OF AMERICA | 117 | $159K |
| Short-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 117 | $145K |
| Long-term disability | UNUM LIFE INSURANCE CO. OF AMERICA | 117 | $145K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 117 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.