| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | CFA LLC | $42K | — | $42K | 16.45% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | RX BENEFITS | $926 | — | $926 | 0.60% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN | $13K | $8K | $21K | 18.32% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFA LLC | 88 | $253K |
| Dental | GUARDIAN | 119 | $116K |
| Life insurance | GUARDIAN | 119 | $116K |
| Short-term disability | GUARDIAN | 119 | $116K |
| Long-term disability | GUARDIAN | 119 | $116K |
| Prescription drug | RX BENEFITS | 88 | $156K |
| Other | GUARDIAN | 119 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.