| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.52% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE STE 310 HUNT VALLEY, MA 21030 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.20% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $146 | — | $146 | 0.27% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.48% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE STE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.17% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $151 | — | $151 | 0.35% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.75% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE STE 310 HUNT VALLEY, MD 21030 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.07% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $123 | — | $123 | 0.40% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 151 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 152 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 152 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.