| 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 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $2K | $47K | 10.91% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S KING STREET LEESBURG, VA 20175 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.14% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.06% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LLC DBA | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $629 | $0 | $629 | 2.55% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $465 | $465 | 2.65% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $900 | $0 | $900 | 8.16% |
| 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 | $192 | $0 | $192 | 1.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $614 | $0 | $614 | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $124 | $124 | 3.03% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $295 | $0 | $295 | 9.20% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $88 | $88 | 2.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $284 | $0 | $284 | 9.23% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $85 | $85 | 2.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | $0 | $120 | 9.23% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $36 | $36 | 2.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Contract Administrator; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Claims processing; Float revenue; Participant communication; Other services Service code 12 | — | $25K |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $429K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $429K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 99 | $11K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $4K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 35 | $25K |
| Other(6 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 80 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.