| 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 DR STE 400 BETHESDA, MD 20817 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 2.88% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID- ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | SUNLIFE ASSURANCE COMPANY OF CANADA | $485 | $791 | $1K | 2.52% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $728 | $728 | 1.44% |
| THE BALDWIN GROUP WEST LLC3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | SUNLIFE ASSURANCE COMPANY OF CANADA | $591 | $0 | $591 | 1.17% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID- ATLANTIC LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $2K | $0 | $2K | 5.79% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID- ATLANTIC LLC | 6720 B ROCKLEDGE DR STE 400 MOUNT AIRY, MD 21771 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $957 | $0 | $957 | 2.48% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720 B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $601 | $0 | $601 | 8.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 5803 BROADMOOR ST ALEXANDRIA, VA 22315 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $225 | $0 | $225 | 3.00% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 92 | $51K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 101 | $8K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 155 | $39K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 155 | $39K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 155 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.