| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP3 | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | CAREFIRST BLUE CHOICE | $33K | $15K | $48K | 5.11% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $143 | $3K | 1.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.86% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES, LLC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | DENTAQUEST MID-ATLANTIC | $13K | $0 | $13K | 8.42% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $8K | 10.24% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BASIC GROUP ASSOC LLC | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.18% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $326 | $3K | 16.75% |
| JOHN D DOTEN3 Filed as: JOHN D. DOTEN | 6430 ROCKLEDGE DR STE 300 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $0 | $94 | 3.38% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 2.30% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUE CHOICE | 167 | $1.2M |
| Dental | DENTAQUEST MID-ATLANTIC | 220 | $157K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $135K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $116K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $116K |
| Prescription drug | CAREFIRST BLUE CHOICE | 167 | $948K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.