| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $3K | $204 | $3K | 6.02% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE APARTMENT 302 TAKOMA PARK, MD 20912 | AFLAC | $459 | $102 | $561 | 1.22% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $478 | — | $478 | 1.04% |
| VICTORIA ELIZABET GAGEN3 | 19215 WHEATFIELD DRIVE GERMANTOWN, ME 20876 | AFLAC | $369 | $58 | $427 | 0.93% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $399 | — | $399 | 0.87% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $215 | $20 | $235 | 0.51% |
| DAWN JOHNSON3 Filed as: DAWN M JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $132 | $20 | $152 | 0.33% |
| RENEE T CARCHMAN3 | 15250 SIESTA KEY WAY APARTMENT 304 ROCKVILLE, MD 20850 | AFLAC | $144 | — | $144 | 0.31% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $132 | — | $132 | 0.29% |
| WILLIE F BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $115 | — | $115 | 0.25% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $114 | — | $114 | 0.25% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $94 | — | $94 | 0.20% |
| DREW SKIBITSKY3 | 1000 FELL STREET APARTMENT 627 BALTIMORE, MD 21231 | AFLAC | $47 | $27 | $74 | 0.16% |
| JOSHUA M PINCUS SOKOLOFF3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | AFLAC | $60 | — | $60 | 0.13% |
| DREW SKIBITSKY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $59 | — | $59 | 0.13% |
| HILARY RADOLEC3 | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | AFLAC | $51 | — | $51 | 0.11% |
| KANDIS PERRY3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $50 | — | $50 | 0.11% |
| JEREMY A FELDMAN3 | 12391 HIDDEN BAY DRIVE BERLIN, MD 21811 | AFLAC | $46 | — | $46 | 0.10% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE, INC. | — | $27K | $27K | 72.17% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $11K | $11K | 27.83% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.67% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $699 | $699 | 3.42% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $490 | $490 | 3.75% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $315 | — | $315 | 9.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $115 | $115 | 3.65% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 97 | $38K |
| Dental | CAREFIRST BLUECHOICE, INC. | 97 | $38K |
| Vision | CAREFIRST BLUECHOICE, INC. | 97 | $38K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 13 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $13K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 97 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 134 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.