| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD RD STE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE, INC. | $39K | $8K | $47K | 6.04% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC. | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 1.12% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOC. | 4740 CORRIDOR PL STE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 3.90% |
| STEPHANIE COHEN3 | 704 QUINCE ORCHARD RD STE 200 GAITHERSBURG, MD 20878 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.02% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD BLVD APT 200 GAITHERSBURG, MD 20878 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 704 QUINCE ORCHARD BLVD APT 200 GAITHERSBURG, MD 20878 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD BLVD APT 200 GAITHERSBURG, MD 20878 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 151 | $780K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $73K |
| Vision | CAREFIRST BLUECHOICE, INC. | 151 | $780K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $13K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 151 | $780K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.