| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | PRUDENTIAL INS. CO. OF AMERICA | $400K | — | $400K | 10.61% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION | 6230 FAIRVIEW RD, SUITE 210 CHARLOTTE, NC 28210 | PRUDENTIAL INS. CO. OF AMERICA | $242K | — | $242K | 6.42% |
| IMG5 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INS. CO. OF AMERICA | — | $564 | $564 | 0.01% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | EYEMED VISION CARE | $27K | — | $27K | 8.78% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 8.24% |
| ARMFIELD HARRISON & THOMAS3 | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 3.73% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | SELMAN CO. | $3K | — | $3K | 8.15% |
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 | 4,206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 122 | $190K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 12 | $106K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 3,743 | $411K |
| Life insurance | PRUDENTIAL INS. CO. OF AMERICA | 6,549 | $3.8M |
| Short-term disability | PRUDENTIAL INS. CO. OF AMERICA | 6,549 | $3.8M |
| Long-term disability | PRUDENTIAL INS. CO. OF AMERICA | 6,549 | $3.8M |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 12 | $150K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INS. CO. OF AMERICA | 6,549 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,549 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.