| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS | 144 TURNPIKE ROAD STE 350 SOUTHBOROUGH, MA 01772 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $67 | $33K | 0.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 333 ELM STREET STE 300 DEDHAM, MA 02026 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| MARK BAKER3 | 54 DANBURY ROAD #340 RIDGEFIELD, CT 06877 | METROPOLITAN LIFE INSURANCE COMPANY | -$51K | — | -$51K | -0.70% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | STANDARD INSURANCE COMPANY 2007 LONG TERM DISABILITY | $30K | — | $30K | 0.46% |
| MARK BAKER3 | 54 DANBURY RD #340 RIDGEFIELD, CT 06877 | STANDARD INSURANCE COMPANY 2007 LONG TERM DISABILITY | $16K | $0 | $16K | 0.25% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 6021 UNIVERSITY BLVD SUITE 250 ELLICOTT CITY, MD 21043 | GHMSI/CAREFIRST BLUECHOICE | $49K | $12K | $60K | 4.35% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | GHMSI/CAREFIRST BLUECHOICE | — | $9K | $9K | 0.67% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES, LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $4K | — | $4K | 1.93% |
| EMPLOYEE ONE BENEFIT SOLUTIONS, LLC3 Filed as: EMPLOYEE ONE BENEFIT SOLUTIONS LLC | 6021 UNIVERSITY BLVD SUITE 250 ELLICOT CITY, MD 21043 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC STATES, INC. | $390 | — | $390 | 0.17% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS | 144 TURNPIKE ROAD STE 330 SOUTHBOROUGH, MA 01772 | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.39% |
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 | 19,273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,308 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI/CAREFIRST BLUECHOICE | 468 | $2.3M |
| Dental | METLIFE DELAWARE AMERICAN LIFE INSURANCE COMPANY | 18 | $141K |
| Vision | HM LIFE INSURANCE COMPANY | 16,221 | $866K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 19,472 | $7.4M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY 2007 LONG TERM DISABILITY | 10,790 | $6.6M |
| Prescription drug | GHMSI/CAREFIRST BLUECHOICE | 115 | $1.4M |
| Other(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE INSURANCE COMPANY INC | 2,180 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,472 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.