| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN MID-ATLANTIC | $40K | $3K | $43K | 10.51% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC | $20K | — | $20K | 5.22% |
| ACRISURE LLC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 14.42% |
| ACRISURE LLC3 | DBA SCHILL INSURANCE GROUP 10 CHELSEA ROAD ESSEX JUNCTION, VT 05452 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.66% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $511 | $0 | $511 | 1.34% |
| ACRISURE LLC3 | DBA SCHILL INSURANCE GROUP 10 CHELSEA ROAD ESSEX JUNCTION, VT 05452 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 9.77% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $52 | $0 | $52 | 0.23% |
| ACRISURE LLC3 | DBA SCHILL INSURANCE GROUP 10 CHELSEA ROAD ESSEX JUNCTION, VT 05452 | STANDARD INSURANCE COMPANY | $816 | $0 | $816 | 7.97% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $263 | $0 | $263 | 2.57% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN MID-ATLANTIC | 99 | $794K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $83K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 159 | $10K |
| Short-term disability | STANDARD INSURANCE COMPANY | 159 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 24 | $22K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN MID-ATLANTIC | 99 | $794K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.