| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 8.64% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.07% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.87% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.10% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 SOUTH KING STREET LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $14K | $33K | 17.39% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720 B ROCKLEDGE DRIVE BETHESDA, MD 20817 | GUARDIAN | $20K | $2K | $22K | 29.11% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | GUARDIAN | $2K | $0 | $2K | 2.77% |
| FINANCIAL BALANCE GROUP LLC3 | UNKNOWN FAIRFAX, VA 22031 | GUARDIAN | $229 | $0 | $229 | 0.30% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | TRANSAMERICA | $7K | $0 | $7K | 21.01% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 S. KING STREET LEESBURG, VA 20175 | TRANSAMERICA | $6K | $0 | $6K | 20.14% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA | $2K | $0 | $2K | 7.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC. | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA | $73 | $0 | $73 | 0.23% |
| HILARY RADOLEC3 Filed as: HILARY B RADOLEC | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | TRANSAMERICA | $44 | $0 | $44 | 0.14% |
| JASON A BARE3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA | $43 | $0 | $43 | 0.13% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.28% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $374 | $0 | $374 | 1.65% |
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 | 300 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 210 | $189K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 434 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $289K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $257K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $257K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.