| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.35% |
| GROUP BENEFIT SERVICES INC3 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| WADE F KAUFFMAN3 | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.27% |
| TROCKI GEORGE3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.23% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.13% |
| TROCKI GEORGE3 Filed as: TROCKI GEORGE A | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | — | $494 | 1.40% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $465 | — | $465 | 1.31% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MA 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 0.82% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTO, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $283 | — | $283 | 0.80% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 0.65% |
| NICKEL CRAIG M3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $215 | — | $215 | 0.61% |
| SHANNAMAN AMY JO3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $140 | — | $140 | 0.40% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | — | $136 | 0.38% |
| SONKEN ROBERT L3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.24% |
| MCCORT DONALD COWAN3 | 8 LAZY HOLLOW WAY GAITHERSBURG, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.06% |
| DAVID BOWEN3 | 1666 CRAIN HIGHWAY SOUTH GLEN BURNE, MD 21061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| BITTNER ALBERT B IV3 | 1814 CREEK VIEW DRIVE NEW CUMBERLAND, PA 17070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TROCKI GEORGE3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $542 | — | $542 | 3.04% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 1.90% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $222 | — | $222 | 1.25% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 0.98% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | — | $147 | 0.82% |
| TROCKI GEORGE3 Filed as: TROCKI GEORGE A | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $144 | — | $144 | 0.81% |
| NICKEL CRAIG M3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.65% |
| BITTNER ALBERT B IV3 | 1814 CREEK VIEW DRIVE NEW CUMBERLAND, PA 17070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.32% |
| SHANAMAN AMY JO3 | 84 MAIN STREET PO BOX 71 STRASSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.24% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.97% |
| TROCKI GEORGE3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.97% |
| TROCKI GEORGE3 Filed as: TROCKI GEORGE A | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 0.51% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTOMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.41% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.38% |
| GELHARD DONNA3 | 3926 TIDEWOOD ROAD BALTO, MA 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.29% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.10% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.97% |
| TROCKI GEORGE3 Filed as: TROCKI GEORGE A | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.97% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.76% |
| GELHARD DONNA3 | 3626 TIDEWOOD ROAD BALTO, MD 21120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $162 | — | $162 | 7.21% |
| TROCKI GEORGE3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $153 | — | $153 | 6.81% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 5.20% |
| GELHARD DONNA3 | 3626 TIDEWOOD ROAD BALTIMORE, MA 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 1.65% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.71% |
| HIPPS CRYSTAL3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.49% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.44% |
| SONKEN ROBERT L3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.40% |
| TROCKI GEORGE3 Filed as: TROCKI GEORGE A | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 93 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 93 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $85K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $100K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $41K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 217 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.