| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 5.34% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 10.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INCORPORATED | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $684 | — | $684 | 0.86% |
| ROBERT CAVALERI3 | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $1K | — | $1K | 2.67% |
| JENNIFER VANROEKEL3 | 37A BERNARD ROAD HAMPTON, VA 23651 | AFLAC | $587 | $132 | $719 | 1.83% |
| TODD SYKES3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $572 | — | $572 | 1.46% |
| FRANK GILLESPIE JR3 | 2616 EAGLES CREST COURT HOLIDAY, FL 34691 | AFLAC | $451 | $99 | $550 | 1.40% |
| JERRY A CALLAHAN3 | 2750 WHISPER COURT DOUGLASVILLE, GA 30135 | AFLAC | $346 | — | $346 | 0.88% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $250 | — | $250 | 0.64% |
| DANIEL J LONG3 | 10400 EATON PLACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $163 | $53 | $216 | 0.55% |
| DAVID N MORGAN3 | 908 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $185 | $31 | $216 | 0.55% |
| MICHAEL G OHM3 | 7556 CROSS GATE LANE ALEXANDRIA, VA 22315 | AFLAC | $163 | — | $163 | 0.42% |
| MELEAH J GREENE3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $162 | — | $162 | 0.41% |
| GARY W GREENE3 | 1609 WEST ARLINGTON BOULEVARD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $159 | — | $159 | 0.41% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $120 | — | $120 | 0.31% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $106 | — | $106 | 0.27% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $97 | — | $97 | 0.25% |
| DANIEL M PERLMUTTER3 | 42234 RIGGINS RIDGE TERRACE APARTMENT 518 ASHBURN, VA 20148 | AFLAC | $64 | — | $64 | 0.16% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $51 | — | $51 | 0.13% |
| JOHN A GARNER3 | 702 ADAMS STREET SUFFOLK, VA 23434 | AFLAC | $25 | $9 | $34 | 0.09% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $32 | — | $32 | 0.08% |
| NEIL M MORGAN JR3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $29 | — | $29 | 0.07% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $26 | — | $26 | 0.07% |
| FRANCES SHAFFER3 | 14025 TOWER ROAD SMITHBURG, MD 21783 | AFLAC | $21 | — | $21 | 0.05% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILL SR | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $7 | — | $7 | 0.02% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $636K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $119K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $676K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $80K |
| Short-term disability | AFLAC | 38 | $39K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $80K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.