| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 1511 BALTIMORE 2ND FLOOR KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $148K | $0 | $148K | 13.99% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | DELTA DENTAL | $23K | $0 | $23K | 5.02% |
| THE CAPITAL GROUP LLC3 | — | LEGAL RESOURCES | $143 | $0 | $143 | 0.23% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS, LLC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 3.79% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $373 | $0 | $373 | 0.62% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD,HARRISON,& THOMAS LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED | $1K | $0 | $1K | 2.87% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED | $252 | $0 | $252 | 0.55% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $311K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $66K |
| THE CAPITAL GROUP EIN 52-2217130 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $16K |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 1,248 | $453K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 851 | $105K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 816 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 816 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 816 | $1.1M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 362 | $558K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 816 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,248 | — |
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.