| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN AND COHEN LLC | 6500 ROCK SPRING SUITE 500 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $8K | $59K | $66K | 4.42% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BASIN GROPU ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $9K | $9K | 0.62% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.96% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $358 | $358 | 1.01% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $1K | — | $1K | 4.18% |
| MATTHEW W EVANS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $355 | $40 | $395 | 1.38% |
| QSMR INC3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $346 | — | $346 | 1.21% |
| CAROLINE D MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $278 | — | $278 | 0.97% |
| GREER INSURANCE3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $116 | $7 | $123 | 0.43% |
| RENEE T CARCHMAN3 | 307 BALTUSROL DRIVE UNIT 207 GERMANTOWN, MD 20874 | AFLAC | $93 | — | $93 | 0.32% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $72 | — | $72 | 0.25% |
| SARAH A ROBERTSON3 | 5337 SWEETWATER DRIVE WEST RIVER, MD 20778 | AFLAC | $70 | — | $70 | 0.24% |
| SCOTT M NATHAN3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $59 | — | $59 | 0.21% |
| MELISSA S LYNCH3 | 507 AUGUSTA DRIVE ARNOLD, MD 21012 | AFLAC | $56 | — | $56 | 0.20% |
| WILLIE F BEVERLY3 | 8721 AUTUMN RIDGE COURT ODENTON, MD 21113 | AFLAC | $51 | — | $51 | 0.18% |
| HILARY RADOLEC3 | 165 CROSSBOW LANE GAITHERSBURG, MD 20878 | AFLAC | $36 | — | $36 | 0.13% |
| JOSHUA M PINCUS SOKOLOFF3 | 575 SOUTH CHARLES STREET SUITE 503 BALTIMORE, MD 21201 | AFLAC | $32 | — | $32 | 0.11% |
| JEREMY A FELDMAN3 | 11337 NEWPORT BAY DRIVE BERLIN, MD 21811 | AFLAC | $31 | — | $31 | 0.11% |
| KANDIS PERRY3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $27 | — | $27 | 0.09% |
| DAWN JOHNSON3 Filed as: DAWN M JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $23 | — | $23 | 0.08% |
| VICTORIA ELIZABET GAGEN3 | 19215 WHEATFIELD DRIVE GERMANTOWN, MD 20876 | AFLAC | $16 | — | $16 | 0.06% |
| ERIN BURNS3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $14 | $1 | $15 | 0.05% |
| DREW SKIBITSKY3 | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $11 | — | $11 | 0.04% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 250 GAITHERSBURG, MD 20878 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $118 | $118 | 0.47% |
| 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 | — | $67 | $67 | 0.61% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 143 | $1.5M |
| Dental | CAREFIRST BLUECHOICE, INC. | 143 | $1.5M |
| Vision | CAREFIRST BLUECHOICE, INC. | 143 | $1.5M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $36K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $11K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $25K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 143 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.