| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $87K | $37K | $124K | 5.34% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SOUTH 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $17K | $17K | 0.75% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.57% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | -$40 | $2K | $2K | 1.94% |
| TROCKI GEORGE3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.18% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.54% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.42% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $958 | — | $958 | 1.43% |
| NICKEL CRAIG M3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $658 | — | $658 | 0.98% |
| SHANAMAN AMY JO3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $620 | — | $620 | 0.92% |
| BITTNER ALBERT B IV3 | 1814 CREEK VIEW DRIVE NEW CUMBERLAND, PA 17070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.19% |
| SONKEN ROBERT L3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $93 | — | $93 | 0.14% |
| BOWEN DAVID3 | 1666 CRAIN HIGHWAY SOUTH GLEN BURNIE, MD 21061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.04% |
| MCCOURT DONALD COWAN3 | 8 LAZY HOLLOW WAY GAITHERSBURG, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| WADE F KAUFFMAN3 | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.18% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 163 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 231 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $84K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $84K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 124 | $39K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 231 | $2.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.