| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $1K | $34K | 9.98% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANT | 6720 B ROCKLEDGE DRIVE BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 8.37% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.68% |
| FINANCIAL BALANCE GROUP LLC3 | UNKNOWN FAIRFAX, VA 22031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $737 | $0 | $737 | 0.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $2K | $11K | 7.14% |
| EMPLOYEE BENEFIT SUBJECY MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $8K | $10K | 6.47% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $9K | 6.02% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS ROAD, SUITE 800 FAIRFAX, VA 22030 | TRANSAMERICA | $9K | $0 | $9K | 22.73% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | TRANSAMERICA | $7K | $0 | $7K | 18.61% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA | $3K | $0 | $3K | 7.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 6500 ROCK SPRINGS DRIVE, SUITE 500 BETHESDA, MD 20817 | TRANSAMERICA | $64 | $0 | $64 | 0.16% |
| HILARY RADOLEC3 Filed as: HILARY B RADOLEC | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | TRANSAMERICA | $38 | $0 | $38 | 0.10% |
| JASON A BARE3 | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA | $6 | $0 | $6 | 0.02% |
| EMPLOYEE BENEFIT SUBJECY MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 19.99% |
| 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. | $3K | $0 | $3K | 19.99% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $76 | $0 | $76 | 0.44% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | UNKNOWN FAIRFAX, VA 22031 | LEGAL RESOURCES | $870 | $0 | $870 | 5.84% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 205 | $153K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 404 | $17K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $378K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $338K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $338K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.