| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $37K | — | $37K | 4.53% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $21K | — | $21K | 2.56% |
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $23K | — | $23K | 5.05% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.10% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 12.26% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | DOMINION NATIONAL | $2K | — | $2K | 6.85% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 12.11% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | NGL | $181 | — | $181 | 5.00% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 166 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $60K |
| Vision | NGL | 46 | $4K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 229 | $47K |
| Short-term disability | STANDARD INSURANCE COMPANY | 229 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.