| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 16801 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | $47K | $56K | 3.58% |
| AXIM GLOBAL STRATEGIES GROUP3 Filed as: AXIM GLOBAL STRATEGIES | 8925 W POST RD STE 105 LAS VEGAS, NV 86715 | UNITED HEALTHCARE INSURANCE COMPANY | $279 | — | $279 | 0.02% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 6.20% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 3.15% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $7K | $70K | 34.21% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| AXIM GLOBAL STRATEGIES GROUP3 Filed as: AXIM GLOBAL STRATEGIES CORP | 8925 W POST RD SUIT 105 LAS VEGAS, NV 89148 | UNITED HEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | HARTFORD ACCIDENT AND LIFE INSURANCE CO | $1K | — | $1K | 5.85% |
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 | 666 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 666 | $1.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 226 | $208K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $28K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 515 | $228K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 515 | $228K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 666 | $1.6M |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 515 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.