| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 11350 MCCORMICK ROAD #400 HUNT VALLEY, MD 21031 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $22K | $23K | $44K | 5.64% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $3K | $26K | 20.92% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 4.65% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $3K | $13K | 11.50% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | STARMOUNT LIFE INSURANCE COMPANY | — | $5K | $5K | 4.60% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 20.63% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.58% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN, INC. | $613 | — | $613 | 1.36% |
| CHAN, RAYMOND3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $1K | — | $1K | 8.26% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $859 | $286 | $1K | 7.29% |
| CHAN, RAYMOND3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $949 | — | $949 | 7.64% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $629 | $207 | $836 | 6.73% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | — | $526 | $526 | 4.24% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $271 | $1K | 11.40% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $542 | $542 | 4.56% |
| CHAN, RAYMOND3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | UNUM INSURANCE COMPANY | $863 | — | $863 | 8.39% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4211 BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $568 | $190 | $758 | 7.37% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFIT SUBJECT MATTE | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM INSURANCE COMPANY | — | $482 | $482 | 4.69% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 117 | $827K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 122 | $115K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 122 | $115K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $177K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $135K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $123K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 178 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.