| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 Filed as: POTOMAC COMPANIES INC | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNITED HEALTHCARE | $10K | $114K | $124K | 7.90% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC COMPANIES INC | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNITED HEALTHCARE | $15K | — | $15K | 4.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA POTOMAC COMPANIES | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | GUARDIAN | $30K | $6K | $36K | 23.63% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC COMPANIES INC | 1803 RESEARCH BLVD, SUITE 604 SUITE 604 ROCKVILLE, MD 20850 | HARTFORD ACCIDENT AND LIFE CO (SELMAN) | $982 | — | $982 | 4.76% |
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 | 596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 555 | $1.6M |
| Dental | UNITED HEALTHCARE | 555 | $1.6M |
| Vision | UNITED HEALTHCARE | 555 | $1.6M |
| Life insurance | UNITED HEALTHCARE | 596 | $313K |
| Short-term disability | UNITED HEALTHCARE | 596 | $313K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE | 596 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.