| 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 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $109K | $34K | $143K | 25.12% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $29K | $0 | $29K | 10.03% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | PO BOX 71146 CHARLOTTE, NC 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $293 | $0 | $293 | 0.11% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | STRYDEN. INC. | $3K | — | $3K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.95% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $330 | $3K | 16.20% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | ACE AMERICAN INSURANCE COMPANY | $647 | $4 | $651 | 15.09% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 32 | $261K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 687 | $553K |
| Vision | STRYDEN. INC. | 641 | $34K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $600K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $569K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $569K |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 415 | $881K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.