| 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 | $27K | $10K | $36K | 4.93% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BADIN GROUP ASSOC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | — | $9K | $9K | 1.20% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $2K | — | $2K | 4.32% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE APARTMENT 302 TAKOMA PARK, MD 20912 | AFLAC | $2K | — | $2K | 4.15% |
| WILLIE F BEVERLY3 | 15300 PINE TREE WAY BOWIE, MD 20721 | AFLAC | $1K | — | $1K | 2.87% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $1K | — | $1K | 2.63% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $446 | — | $446 | 1.09% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $437 | — | $437 | 1.07% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $430 | — | $430 | 1.05% |
| RENEE T CARCHMAN3 | 15716 WINNERS DRIVE GAITHERSBURG, MD 20878 | AFLAC | $150 | — | $150 | 0.37% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $141 | — | $141 | 0.35% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $137 | — | $137 | 0.34% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $99 | — | $99 | 0.24% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $94 | — | $94 | 0.23% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $73 | — | $73 | 0.18% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $56 | — | $56 | 0.14% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $53 | — | $53 | 0.13% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $51 | — | $51 | 0.13% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $784 | $3K | 11.21% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $481 | $2K | 12.85% |
| DARREN BRAUDE3 Filed as: DARREN MITCHELL BRAUDE | 12710 YOUNG LANE GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $462 | $160 | $622 | 13.45% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 89 | $733K |
| Dental | CAREFIRST BLUECHOICE | 89 | $733K |
| Vision | CAREFIRST BLUECHOICE | 89 | $733K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 156 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $17K |
| Prescription drug | CAREFIRST BLUECHOICE | 89 | $733K |
| Other(2 contracts, 2 carriers) | AFLAC | 156 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.