| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUICE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE | $33K | $10K | $43K | 4.70% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BADIN GROUP ASSOC. | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | — | $10K | $10K | 1.05% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $2K | $1K | $3K | 8.91% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $656 | $266 | $922 | 2.36% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $791 | — | $791 | 2.02% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $729 | — | $729 | 1.86% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $675 | — | $675 | 1.73% |
| RENEE T CARCHMAN3 | 15716 WINNERS DRIVE GAITHERSBURG, MD 20878 | AFLAC | $333 | $337 | $670 | 1.71% |
| MATTHEW W EVANS3 | 817 MAIDEN CHOICE LANE SUITE 340 CATONSVILLE, MD 21228 | AFLAC | $542 | — | $542 | 1.39% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $246 | $152 | $398 | 1.02% |
| SCOTT M NATHAN3 | 817 MAIDEN CHOICE LANE SUITE 340 BALTIMORE, MD 21228 | AFLAC | $382 | — | $382 | 0.98% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $188 | $167 | $355 | 0.91% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $205 | — | $205 | 0.52% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $135 | — | $135 | 0.35% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $82 | — | $82 | 0.21% |
| THALIA EIGEN3 | 6204 WILSON LANE BETHESDA, MD 20817 | AFLAC | $51 | $11 | $62 | 0.16% |
| JOSHUA M PINCUS SOKOLOFF3 | 817 MAIDEN CHOICE LANE SUITE 340 BALTIMORE, MD 21228 | AFLAC | $49 | — | $49 | 0.13% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $10 | — | $10 | 0.03% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $5 | — | $5 | 0.01% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $72 | $2K | 8.36% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $44 | $2K | 10.29% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $507 | $17 | $524 | 10.34% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 89 | $925K |
| Dental | CAREFIRST BLUECHOICE | 89 | $925K |
| Vision | CAREFIRST BLUECHOICE | 89 | $925K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $24K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 23 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 22 | $15K |
| Prescription drug | CAREFIRST BLUECHOICE | 89 | $925K |
| Other(2 contracts, 2 carriers) | AFLAC | 149 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.