| 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 AND AFFILIATES | $50K | $642K | $693K | 5.44% |
| HAMILTON INSURANCE AGENCY3 Filed as: HAMILTON INSURANCE AGENCY T/A | 4100 MONUMENT CORNER DR SUITE 500 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $185K | $200K | 1.57% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 W. BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC | $290K | — | $290K | 5.39% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC.DBA HAMILTON INS | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 220308621 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC | $147K | $22 | $147K | 2.75% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | $0 | $107K | 32.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S. KING STREET BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NONSTOP ADMINISTRATION AND INSURANC CLAIMS PROCESSING | Claims processing Service code 12 | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | $1.7M |
| CENTER FOR NONPROFIT ADVANCEMENT EIN 52-1139669 ADMINISTRATOR | Plan Administrator Service code 14 | — | $225K |
| CALIBRE CPA GROUP EIN 47-0900880 ACCOUNTING SERVICES | Accounting (including auditing) Service code 10 | — | $99K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 AUDIT & ACCOUNTING | Accounting (including auditing) Service code 10 | — | $59K |
| COOLEY AND DARLING EIN 56-2672096 INSURANCE SERVICES | Insurance services Service code 23 | — | $34K |
| CARR COMPANIES EIN 35-2564005 RENT | Other services Service code 49 | — | $21K |
| M & T BANK EIN 16-0538020 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $20K |
| SIMPLE IT CARE EIN 71-0981985 IT SERVICES | Other services Service code 49 | — | $10K |
| ICLARITY SOLUTIONS GROUP EIN 92-2107454 IT SERVICES | Other services Service code 49 | — | $9K |
| KILPATRICK TOWNSEND EIN 58-0511774 LEGAL FEES | Legal Service code 29 | — | $7K |
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 | 2,941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,250 | $18.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,250 | $12.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,777 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,804 | $331K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,804 | $331K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,804 | $331K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,804 | $13.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,777 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.