| 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 | $112K | $0 | $112K | 12.15% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | PO BOX 120 MOUNT AIRY, MD 21771 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 1.18% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 20.00% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $5K | $0 | $5K | 7.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $5K | $0 | $5K | 7.86% |
| 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 THE FIDELITY SECURITY LIFE INSURANCE | $5K | $0 | $5K | 7.86% |
| THE CAPITAL GROUP LLC3 | — | LEGAL RESOURCES | $897 | $0 | $897 | 1.58% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 8.37% |
| 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 THE FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 8.37% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $3K | $0 | $3K | 8.37% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $101 | $0 | $101 | 7.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 101 CRAWFORDS CORNER ROADV SUITE 1300 HOLMDEL, NJ 07733 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $101 | $0 | $101 | 7.06% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $101 | $0 | $101 | 7.06% |
| EMPLOYEE BENEFIT SUBJECT MATTER EXP3 | P.O. BOX 120 MOUNT AIRY, MD 21771 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $34 | $0 | $34 | 9.74% |
| 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 THE FIDELITY SECURITY LIFE INSURANCE | $34 | $0 | $34 | 9.74% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $34 | $0 | $34 | 9.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $221K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $111K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $48K |
| THE CAPITAL GROUP BROKER | Other commissions Service code 55 | 6720B ROCKLEDGE DR # 400 BETHESDA, MD 20817 | $27K |
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 | 784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(4 contracts) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 303 | $101K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 784 | $921K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 784 | $921K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 784 | $921K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRUM & FORSTER | 329 | $473K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 784 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 784 | — |
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.