| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $43K | $47K | 4.30% |
| AXIM GLOBAL STRATEGIES GROUIP3 | 1355 PICCARD ST SUITE 120 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | -$180 | — | -$180 | -0.02% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.21% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 6.87% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $1K | $34K | 41.58% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| AXIM GLOBAL STRATEGIES GROUIP3 | 1335 PICCARD ST SUITE 120 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $739 | — | $739 | 2.84% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.56% |
| AXIM GLOBAL STRATEGIES GROUIP3 | 1355 PICCARD ST SUITE 120 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $14 | — | $14 | 0.06% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | MONUMENTAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| AXIM GLOBAL STRATEGIES GROUIP3 | 1355 PICCARD ST SUITE 120 ROCKVILLE, MD 20850 | MONUMENTAL LIFE INSURANCE COMPANY | $93 | — | $93 | 0.40% |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $1.1M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 254 | $195K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 227 | $24K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 401 | $145K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 401 | $119K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 401 | $119K |
| Other(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 401 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
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.