| 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 | $12K | $1K | $13K | 8.95% |
| WADE F KAUFFMAN3 Filed as: WADE FRANKLIN KAUFFMAN | 8037 FOXTAIL LANE GLEN BURNIE, MD 21061 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.22% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.78% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.58% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $996 | — | $996 | 3.12% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $306 | — | $306 | 0.96% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 0.44% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.33% |
| CRAIG M NICKEL3 | 8 CROSS FALLS CIRCLE SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.13% |
| AMY JO SHANAMAN3 | 84 MAIN STREET PO BOX 71 STRAUSSTOWN, PA 19559 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.12% |
| DONALD MCCOURT COWAN3 | 8 LAZY HOLLOW WAY GAITERSBURG, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| DAVID BOWEN3 | 1666 CRAIN HIGHWAY SOUTH GLEN BURNIE, MD 21061 | 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 | $3K | — | $3K | 15.85% |
| ROBERT L SONKEN3 Filed as: ROBERT SONKEN | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $997 | — | $997 | 4.88% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $936 | — | $936 | 4.58% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | — | $202 | 0.99% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.42% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.39% |
| ROBERT L SONKEN3 | 15925 GREEN MEADOW ROAD DARNESTOWN, MD 20878 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $931 | — | $931 | 6.48% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW VALCICH | 6216 EASTERN AVENUE BALTIMORE, MD 21224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $661 | — | $661 | 4.60% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | — | $123 | 0.86% |
| GEORGE A TROCKI3 Filed as: GEORGE TROCKI | PO BOX 775 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.35% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.30% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.06% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.08% |
| TROCKI BENEFIT GROUP INC3 | PO BOX 1124 SPARKS, MD 21152 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.86% |
| GEORGE A TROCKI3 | 221 PROSPECT CIRCLE SHREWSBURY, PA 17361 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 3.85% |
| DONNA GELHARD3 | 3926 TIDEWOOD ROAD BALTIMORE, MD 21220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 2.88% |
| CRYSTAL HIPPS3 | 534 BETTY LANE COLUMBIA, PA 17512 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.48% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $148K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $148K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $148K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 22 | $20K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 134 | $56K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
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.