| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 6720 B ROCKLEDGE DR BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 11.25% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE GUARDIAN LIFE INSURANCE COMPANY | $13K | $7K | $20K | 7.32% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD STE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.28% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 6720B ROCKLEDGE SR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $674 | $0 | $674 | 0.57% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | $0 | $322 | 0.27% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $964 | $0 | $964 | 4.25% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $113 | $0 | $113 | 0.50% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $118K |
| Vision | VISION SERVICE PLAN | 181 | $23K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 225 | $272K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 225 | $272K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 225 | $272K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY | 225 | $272K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 225 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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."
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.