| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $95K | $75 | $95K | 3.10% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | $0 | $14K | $14K | 0.45% |
| PROFESSIONAL BENEFITS SOLUTION3 | 8945 GUILDFORD ROAD SUITE 145 COLUMBIA, MD 21046 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 4.79% |
| NFP INSURANCE SERVICES INC3 | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 8945 GUILFORD ROAD SUITE 145 COLUMBIA, MD 21046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | VISION SERVICE PLAN | $731 | $0 | $731 | 6.31% |
| PROFESSIONAL BENEFITS SOLUTIONS INC3 | 8945 GUILDFORD ROAD SUITE 145 COLUMBIA, MD 21046 | VISION SERVICE PLAN | $358 | $0 | $358 | 3.09% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 387 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $263K |
| Vision | VISION SERVICE PLAN | 68 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 187 | $289K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $289K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 187 | $289K |
| Prescription drug | CAREFIRST BLUECHOICE | 387 | $3.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 187 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
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.