| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | — | $45K | $45K | 3.26% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $12K | $12K | 0.91% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES INC | $14K | — | $14K | 3.64% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES INC | $6K | — | $6K | 1.55% |
| MATHER BENEFIT ADMINISTRATORS, LLC3 Filed as: MATHER BENEFIT ADMINISTRATORS LLC | PO BOX 42827 BALTIMORE, MD 21284 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $13K | 8.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 19.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 50 MAIN STREET SUITE 320 WHITE PLAINS, NY 10606 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 4.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.05% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.87% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSUR & FINANCIAL SRVCS | PO BOX 664173 DALLAS, TX 75266 | AMERITAS LIFE INSURANCE CORP. | $539 | — | $539 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 99 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 286 | $152K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 151 | $18K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $151K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $151K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $151K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 99 | $1.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.