| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 704 QUINCE ORCHARD ROAD STE 200 GAITHERSBURG, MD 20878 | CAREFIRST BLUECHOICE, INC. | $0 | $70K | $70K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CAREFIRST BLUECHOICE, INC. | $0 | $54K | $54K | 2.66% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $0 | $13K | $13K | 0.62% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 8.15% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PL SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 CHURCH ST STE 500 ROCKVILLE, MD 208504178 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN | 250 PEHLE AVE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $822 | $822 | 0.68% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 10.47% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22 | $3 | $25 | 0.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $13 | $13 | 0.02% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PL SUITE B BELTSVILLE, MD 10601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $950 | $8K | 12.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $547 | $7K | 10.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 6.99% |
| 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 | $6K | $432 | $6K | 20.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $128 | $2K | 5.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 13784 NEWARK, NJ 07188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $206 | $0 | $206 | 0.73% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 0.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.05% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE STE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $479 | $3K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | 1 CHURCH STREET STE 500 ROCKVILLE, MD 20850 | STARMOUNT LIFE INSURANCE COMPANY | $578 | $60 | $638 | 2.42% |
| 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 | $3K | $194 | $3K | 49.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSURANCE ASSOCIATES, A MARSH | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $822 | $54 | $876 | 12.40% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 428 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 697 | $121K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 174 | $26K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $65K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 428 | $2.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.