| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE, INC. | $21K | $13K | $34K | 5.73% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 14.82% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| ROBERT D. HEREFORD3 | 899A HARRISON STREET SE LEEDBURG, MD 20175 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 5.60% |
| BRUCE ULIZIO3 | 10 RED CEDAR CIRCLE STAFFORD, VA 22554 | AFLAC | $2K | $173 | $2K | 11.41% |
| DOUGLAS MISCH3 Filed as: DOUGLAS C MISCH | 15700 SAINT PETERS CHURCH ROAD MONTPELIER, VA 23192 | AFLAC | $260 | $29 | $289 | 1.45% |
| LAURIE ULIZIO3 | 10 RED CEDAR CIRCLE STAFFORD, VA 22554 | AFLAC | $287 | — | $287 | 1.44% |
| DANIEL J LONG3 | 10400 EATON LACE SUITE 400 FAIRFAX, VA 22030 | AFLAC | $197 | $35 | $232 | 1.17% |
| LEWIS GALE3 | 276 W MILLBROOK ROAD RALEIGH, NC 27609 | AFLAC | $209 | — | $209 | 1.05% |
| ROBERT CAVALERI3 Filed as: ROBERT VINCENT CAVALERI | 11350 MOORE DRIVE MANASSAS, VA 20111 | AFLAC | $171 | — | $171 | 0.86% |
| GARY W GREENE3 | 1609 WEST ARLINTON BOULEVARD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $142 | — | $142 | 0.71% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $98 | — | $98 | 0.49% |
| RYAN DREBING3 Filed as: RYAN A DREBUNG | 585 WEST OAKLAND AVENUE SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $87 | — | $87 | 0.44% |
| GERALD TAYLOR3 | 7709 HEATHFIELD DRIVE RALEIGH, NC 27615 | AFLAC | $53 | $5 | $58 | 0.29% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $50 | — | $50 | 0.25% |
| DOUGLAS MISCH3 Filed as: DOUGLAS C MISCH | 7381 CEDON ROAD WOODFORD, VA 22580 | AFLAC | $40 | — | $40 | 0.20% |
| BENJAMIN KLINGER3 | 5503 SPRUCE TREE AVENUE BETHESDA, MD 20814 | AFLAC | $29 | — | $29 | 0.15% |
| DANIEL J LONG3 | 48 EISENTOWN DRIVE LOVETTSVILLE, VA 20180 | AFLAC | $29 | — | $29 | 0.15% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $17 | — | $17 | 0.09% |
| RUEANN M EMERSON3 | 4820 LAKEBROOK DRIVE SUITE 125 GLEN ALLEN, VA 23050 | AFLAC | $13 | — | $13 | 0.07% |
| GERALD TAYLOR3 | 26471 MCKIM LANE UNIONVILLE, VA 22567 | AFLAC | $6 | — | $6 | 0.03% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $4 | — | $4 | 0.02% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVENUE APARTMENT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $2 | — | $2 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.01% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY STREET WOODBINE, MD 21797 | AFLAC | $1 | — | $1 | 0.01% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | 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. | 82 | $600K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $69K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $118K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 19 | $30K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 82 | $600K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.