| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $32K | $9K | $41K | 4.67% |
| POTOMAC BASIN GROUP3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $10K | $10K | 1.13% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $1K | $90 | $1K | 4.06% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $607 | — | $607 | 1.77% |
| CAROLINE D MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTSSVILLE, MD 21104 | AFLAC | $387 | — | $387 | 1.13% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE APARTMENT 302 TAKOMA PARK, MD 20912 | AFLAC | $311 | $75 | $386 | 1.13% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $362 | — | $362 | 1.06% |
| WILLIE F BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $169 | $38 | $207 | 0.60% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $161 | $40 | $201 | 0.59% |
| RENEE T CARCHMAN3 | 15716 WINNERS DRIVE GAITHERSBURG, MD 20878 | AFLAC | $142 | — | $142 | 0.41% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $127 | — | $127 | 0.37% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $117 | — | $117 | 0.34% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $90 | — | $90 | 0.26% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $61 | $8 | $69 | 0.20% |
| JOSHUA M PINCUS SOKOLOFF3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $62 | — | $62 | 0.18% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $53 | — | $53 | 0.15% |
| HILARY RADOLEC3 | 4801 FAIRMONT AVENUE APARTMENT 713 BETHESDA, MD 20814 | AFLAC | $50 | — | $50 | 0.15% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $46 | — | $46 | 0.13% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4994 LOWER ROSEWELL ROAD SUITE 5 MARIETTA, GA 30068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $411 | — | $411 | 10.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $374 | — | $374 | 10.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 80 | $875K |
| Dental | CAREFIRST BLUECHOICE, INC. | 80 | $875K |
| Vision | CAREFIRST BLUECHOICE, INC. | 80 | $875K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $4K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 16 | $4K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 18 | $15K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 80 | $875K |
| Other(2 contracts, 2 carriers) | AFLAC | 36 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.