| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN AND COHEN, LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | $0 | $95K | 2.48% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 225 KENNETH DRIVE ROCHESTER, NY 14623 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 0.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $636 | $0 | $636 | 0.57% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 15.34% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN, LLC | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $833 | $0 | $833 | 5.07% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY, INC. | 225 KENNETH DRIVE ROCHESTER, NY 14623 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $812 | $0 | $812 | 4.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $206 | $206 | 1.25% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | $697 | $697 | $1K | 10.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $493 | $224 | $717 | 16.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | PRE-PAID LEGAL SERVICES, INC. | $618 | $0 | $618 | 17.04% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 416 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $112K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 170 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $93K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $77K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.