| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 9.51% |
| WADE F KAUFFMAN3 | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.92% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.15% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $817 | — | $817 | 2.51% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $483 | — | $483 | 1.49% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTO, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | — | $226 | 0.70% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.62% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 0.62% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.45% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $102 | — | $102 | 0.31% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.26% |
| AMY JO SHANAMAN3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.21% |
| CRAIG M NICKEL3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.18% |
| DONALD MCCOURT COWAN3 Filed as: DONALD MCCORT COWAN | 8 LAZY HOLLOW WAY GAITHERSBURG, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 0.08% |
| DAVID BOWEN3 | 1666 CRAIN HIGHWAY SOUTH GLEN BURNIE, MD 21061 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $338 | — | $338 | 2.02% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 1.38% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.80% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 0.80% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 0.77% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | — | $121 | 0.72% |
| CRAIG M NICKEL3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| AMY JO SHANAMAN3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.16% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTO, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.39% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $525 | — | $525 | 3.86% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $128 | — | $128 | 0.94% |
| DONNA GELHARD3 | 3926 TIDEWOOD RD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.43% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $57 | — | $57 | 0.42% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.26% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.21% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 1.05% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.91% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.73% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $71 | — | $71 | 4.25% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 4.13% |
| AMERICAN EAGLE INS AGENCY INC3 | 11710 REISTERSTOWN SUITE 202 REISTERSTOWN, MD 21136 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 2.51% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.60% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.30% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.30% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $113K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $113K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $126K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 14 | $17K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $41K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 245 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.