| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | ONE CHURCH STREET SUITE 500 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $26K | $61K | $87K | 4.87% |
| ENROLLEASE3 Filed as: GOLDEN COHEN LLC | 704 QUINCE ORCHARD ROAD STE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE, INC. | -$26K | $38K | $11K | 0.64% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | — | $3K | $3K | 0.17% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID-ATLANTIC BENE GRP DBA VOL BENE | 203 MARKET ST STE 201 HARVE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $25K | 21.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $604 | $7K | 5.73% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $213 | $3K | 2.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | -$3 | $2K | 1.34% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $319 | — | $319 | 0.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | — | $318 | 0.26% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINISTRATION | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $186 | $186 | 0.17% |
| INSURANCE ASSOCIATES INC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $813 | $12K | 11.46% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $937 | $9K | 11.61% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | 21 CHURCH STREET #100 ROCKVILLE, MD 20850 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $341 | $7K | 13.51% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | -$489 | -$489 | -0.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | -$489 | -$39 | -$528 | -0.98% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | -$949 | -$489 | -$1K | -2.68% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BEN GRP LLC DBA VOL BE | 203 MARKET ST STE 201 HARVE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $1K | $21K | 76.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $324 | $5K | 19.19% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 618 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 559 | $162K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 159 | $54K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $102K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $178K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $102K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 618 | $1.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.