| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $20K | $13K | $33K | 5.75% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $317 | $4K | 5.75% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $564 | — | $564 | 0.82% |
| ROBERT D. HEREFORD3 | 899A HARRISON STREET SE LEEDBURG, MD 20175 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ROBERT D. HEREFORD3 | 899A HARRISON STREET SE LEESBURG, VA 20175 | COMPANION LIFE | $225 | — | $225 | 15.00% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIRCLE STAFFORD, VA 22554 | AFLAC | $914 | — | $914 | — |
| LAURIE ULIZIO3 | 10 RED CEDAR CIRCLE STAFFORD, VA 22554 | AFLAC | $556 | $25 | $581 | — |
| LEWIS GALE3 | 276 W MILLBROOK ROAD RALEIGH, NC 27609 | AFLAC | $182 | — | $182 | — |
| GARY W GREENE3 | 204 E ARLINGTON BOULEVARD SUITE C GREENVILLE, NC 27858 | AFLAC | $144 | — | $144 | — |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $125 | $5 | $130 | — |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $107 | — | $107 | — |
| GERALD TAYLOR3 | 26471 MCKIM LANE UNIONVILLE, VA 22567 | AFLAC | $80 | $5 | $85 | — |
| DANIEL J LONG3 | 48 EISENTOWN DRIVE LOVETTSVILLE, VA 20180 | AFLAC | $69 | $5 | $74 | — |
| PHYLLIS DAWN HESLEP3 | 4196 A INNSLAKE DRIVE GLEN ALLEN, VA 23060 | AFLAC | $53 | — | $53 | — |
| RYAN DREBING3 Filed as: RYAN A DREBUNG | 67 CARTERS VIEW WAY TELFORD, TN 37690 | AFLAC | $47 | — | $47 | — |
| RYAN DREBING3 Filed as: RYAN A DREBRING | 525 W OAKLAND AVE SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $47 | — | $47 | — |
| DOUGLAS MISCH3 Filed as: DOUGLAS C MISCH | 7381 CEDON ROAD WOODFORD, VA 22580 | AFLAC | $40 | — | $40 | — |
| LEWIS GALE3 | 5400 ETTA BURKE COURT SUITE 200-E RALEIGH, NC 27606 | AFLAC | $20 | — | $20 | — |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $18 | — | $18 | — |
| RUEANN M EMERSON3 | 4820 LAKEBROOK DRIVE SUITE 125 GLEN ALLEN, VA 23050 | AFLAC | $13 | — | $13 | — |
| DANIEL J LONG3 | 10703 SPOTSYLVANIA AVENUE SUITE 201 FREDERICKSBURG, VA 22408 | AFLAC | $11 | — | $11 | — |
| DAVID MORNINGSTAR3 | 11275 DOVEDALE COURT MARRIOTTSVILLE, MD 21104 | AFLAC | $10 | — | $10 | — |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 SUITE E GLEN ALLEN, VA 23059 | AFLAC | $7 | — | $7 | — |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 83 | $575K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $69K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $86K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 24 | $19K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 83 | $575K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.