| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | $797 | $33K | 3.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HLB GROUP OF MARYLAND | 11311 HMCCORMACK RD SUITE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $927 | $20K | 2.00% |
| PSA FINANCIAL, INC.3 Filed as: PSA INS & FINANCIAL PARTNERS | 11311 MCCORMACK RD STE 500 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET HUNT VALLEY, VA 21031 | GUARDIAN | $11K | $4K | $14K | 14.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 1131 MCCORMICH RD, STE 500 HUNT VALLEY, MD 21031 | GUARDIAN | $4K | — | $4K | 4.13% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 MIDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $735 | — | $735 | 0.72% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET HUNT VALLEY, VA 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMACK RD STE 50 HUNT VALLEY, MD 21031 | UNITED HEALTHCARE INSURANCE COMPANY | $975 | — | $975 | 3.11% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.0M |
| Dental(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $984K |
| Life insurance | GUARDIAN | 101 | $102K |
| Short-term disability | GUARDIAN | 101 | $102K |
| Long-term disability | GUARDIAN | 101 | $102K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 145 | $1.0M |
| Other | GUARDIAN | 101 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.