| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 6500 ROCK SPRING SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $6K | $48K | $54K | 4.38% |
| POTAMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $12K | $12K | 1.01% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.57% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $290 | $290 | 1.39% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $939 | — | $939 | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $129 | $129 | 1.37% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $415 | — | $415 | 10.54% |
| QSMR INC3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $187 | — | $187 | 4.75% |
| CAROLIN BERMUDEZ3 | 703 ETHAN ALLEN AVENUE APARTMENT 302 TAKOMA PARK, MD 20912 | AFLAC | $103 | — | $103 | 2.62% |
| DREW SKIBITSKY3 Filed as: DREW M SKIBITSKY | 100 FELL STREET BALTIMORE, MD 21231 | AFLAC | $70 | — | $70 | 1.78% |
| WILLIE F BEVERLY3 | 1511 RITCHIE HIGHWAY ARNOLD, MD 21042 | AFLAC | $57 | — | $57 | 1.45% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $338 | — | $338 | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $45 | $45 | 1.33% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 115 | $1.2M |
| Dental | CAREFIRST BLUECHOICE, INC. | 115 | $1.2M |
| Vision | CAREFIRST BLUECHOICE, INC. | 115 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $3K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $9K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 115 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.