| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $57K | $57K | 3.84% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.97% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 15.32% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 16.97% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | VISION SERVICE PLAN (VSP) | $660 | — | $660 | 5.00% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 17.00% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $136K |
| Vision | VISION SERVICE PLAN (VSP) | 148 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 161 | $129K |
| Short-term disability | STANDARD INSURANCE COMPANY | 49 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 165 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
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.