| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE | $103K | $22K | $124K | 6.05% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SOUTH 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | — | $19K | $19K | 0.93% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | $2K | $2K | 2.07% |
| WADE F KAUFFMAN3 | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.58% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.77% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.42% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 RESISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 1.35% |
| ALBERT B IV BITTNER3 | 1814 CREEK VIEW DRIVE NEW CUMBERLAND, PA 17070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.28% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 222 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $81K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $81K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 111 | $36K |
| Prescription drug | CAREFIRST BLUECHOICE | 222 | $2.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.