| 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 | — | $41K | $41K | 5.27% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BASIC GROUP ASSOCIATES | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.16% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $546 | $4K | 15.28% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATES | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | STARMOUNT LIFE INSURANCE COMPANY | $280 | $125 | $405 | 7.17% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 69 | $775K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 70 | $43K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 48 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $24K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.