| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: AHT/THE CAPITAL GROUP | 6720B ROCKLEDGE DR. SUITE 400 BETHESDA, MD 20817 | PRINCIPAL LIFE INSURANCE CO. | $4K | — | $4K | 5.99% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $541 | $2K | 12.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $489 | $2K | 12.62% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $432 | $11K | 72.76% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $314 | $1K | 12.86% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $932 | $266 | $1K | 12.85% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $217 | $5K | 68.88% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $190 | $4K | 57.74% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 38 | $23K |
| Dental | PRINCIPAL LIFE INSURANCE CO. | 166 | $64K |
| Vision | PRINCIPAL LIFE INSURANCE CO. | 166 | $64K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $9K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.