| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL SUITE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $2K | $5K | 7.31% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 11.42% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL SUITE B BELTSVILLE, MD 20705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $322 | $4K | 20.40% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $298 | $4K | 20.27% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $207 | $207 | 1.13% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $160 | $1K | 17.66% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $146 | $1K | 17.50% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 103 | $75K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 103 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $70K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 38 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $70K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.