| 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 | $521 | $39K | $40K | 5.75% |
| 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 | $3K | $9K | 11.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INCORPORATED | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.01% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $745 | — | $745 | 2.26% |
| TODD SYKES3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $538 | — | $538 | 1.63% |
| VICKY L LYMAN3 Filed as: VICKY L. LYMAN | 6971 GILLIS WAY GAINESVILLE, VA 20155 | AFLAC | $448 | — | $448 | 1.36% |
| JENNIFER VANROEKEL3 | 37A BERNARD ROAD HAMPTON, VA 23651 | AFLAC | $383 | — | $383 | 1.16% |
| JERRY A CALLAHAN3 | 2750 WHISPER COURT DOUGLASVILLE, GA 30135 | AFLAC | $249 | — | $249 | 0.76% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $190 | — | $190 | 0.58% |
| MICHAEL G OHM3 | 7556 CROSS GATE LANE ALEXANDRIA, VA 22315 | AFLAC | $153 | — | $153 | 0.46% |
| GARY W GREENE3 | 1609 WEST ARLINGTON BOULEVARD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $151 | — | $151 | 0.46% |
| DAVID N MORGAN3 | 908 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $133 | — | $133 | 0.40% |
| DANIEL J LONG3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | AFLAC | $102 | — | $102 | 0.31% |
| SHEILA L RAITCH3 | 5524 LIBER COURT GAINESVILLE, VA 20155 | AFLAC | $83 | — | $83 | 0.25% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $81 | — | $81 | 0.25% |
| MELEAH J GREENE3 | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $74 | — | $74 | 0.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LEORA M BROWN | 7865 FLAGER CIRCLE MANASSAS, VA 20109 | AFLAC | $72 | — | $72 | 0.22% |
| CYNTHIA MYER3 | 555 HARBOR SIDE STREET WOODBRIDGE, VA 22191 | AFLAC | $69 | — | $69 | 0.21% |
| DANIEL M PERLMUTTER3 | 42234 RIGGINS RIDGE TERRACE APARTMENT 518 ASHBURN, VA 20148 | AFLAC | $43 | — | $43 | 0.13% |
| JENNIFER TENCH3 Filed as: JENNIFER ERWIN | 1902 DORRELL ROAD AYLETT, VA 23009 | AFLAC | $39 | — | $39 | 0.12% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $35 | — | $35 | 0.11% |
| NEIL M MORGAN JR3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $27 | — | $27 | 0.08% |
| DAVID A EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $23 | — | $23 | 0.07% |
| RUEANN M EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $19 | — | $19 | 0.06% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 2014 COLUMBIA, MD 21044 | AFLAC | $19 | — | $19 | 0.06% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $19 | — | $19 | 0.06% |
| FRANK GILLESPIE JR3 | 2616 EAGLES CREST COURT HOLIDAY, FL 34691 | AFLAC | $18 | — | $18 | 0.05% |
| ROBERT A ANDERSON3 | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $17 | — | $17 | 0.05% |
| STEPHEN BEAMAN3 | 1401 KIMBERLY ROAD NEW BERN, NC 28562 | AFLAC | $16 | — | $16 | 0.05% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $15 | — | $15 | 0.05% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODVINE, MD 21797 | AFLAC | $12 | — | $12 | 0.04% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $11 | — | $11 | 0.03% |
| JOHN A GARNER3 | 702 ADAMS STREET SUFFOLK, VA 23434 | AFLAC | $9 | — | $9 | 0.03% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $9 | — | $9 | 0.03% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LANE NEW BERN, NC 28562 | AFLAC | $9 | — | $9 | 0.03% |
| RUSSELL TINNEY3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON ROAD SUITE 6 RICHMOND, VA 23238 | AFLAC | $4 | — | $4 | 0.01% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID J WAGENHEIM | 582 WOODBINE AVENUE TOWSON, MD 21204 | AFLAC | $3 | — | $3 | 0.01% |
| KELLY LYNN FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $3 | — | $3 | 0.01% |
| ROY D MUNSTER3 | PO BOX 5634 GLEN ALLEN, VA 23058 | AFLAC | $1 | — | $1 | 0.00% |
| LINDSEY JO MARTIN3 | 2095 COX CV CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| LINDSEY JO MARTIN3 | PO BOX 421 MENA, AR 71953 | AFLAC | $1 | — | $1 | 0.00% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $690K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $116K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 134 | $723K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $83K |
| Short-term disability | AFLAC | 35 | $33K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $83K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.