| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE & BENEFIT SERVICE | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $214K | $214K | 14.05% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 204 CATOCTIN CIRLE SE 2ND FLOOR LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $80K | $80K | 5.26% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.72% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $26 | $2K | 1.26% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 9.52% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.76% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.35% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 9.87% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES LLC | 300 NORTH MAIN STREET MOOREFIELD, WA 26836 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.87% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.29% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $435 | — | $435 | 3.34% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | VISION SERVICE PLAN | $162 | — | $162 | 1.24% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $685 | — | $685 | 10.10% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT INSURANCE SERVICES | 300 NORTH MAIN STREET MOOREFIELD, WV 26836 | STANDARD INSURANCE COMPANY | $332 | — | $332 | 4.89% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $152 | — | $152 | 2.24% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $148K |
| Vision | VISION SERVICE PLAN | 144 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $132K |
| Short-term disability | STANDARD INSURANCE COMPANY | 46 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 160 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.