| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD SUITE 200 GAITHERSBURG, MD 20878 | GHMSI | $133K | $15K | $149K | 5.57% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | GHMSI | $0 | $12K | $12K | 0.46% |
| STEPHANIE J COHEN3 | 1300 PICCARD DR STE 206 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.04% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC INC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.01% |
| STEPHANIE J COHEN3 Filed as: STEPHANIE J. COHEN | 1300 PICCARD DR STE 206 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 11.60% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC INC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.27% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DRR STE 380 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | $0 | $45 | 0.05% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 445 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $260K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $84K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $84K |
| Prescription drug | GHMSI | 445 | $2.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.