| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GHMSI/CFMI | $43K | — | $43K | 3.50% |
| POTOMAC BASSIN GROUP ASSOC LLC3 Filed as: POTOMAC BASIN GROP ASSOCIATES LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GHMSI/CFMI | — | $18K | $18K | 1.49% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | GHMSI/CFMI | — | $17K | $17K | 1.38% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $616 | $6K | 8.24% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $703 | $703 | 0.98% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELLESVILLE, MD 20705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $497 | $5K | 7.93% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $557 | $557 | 0.96% |
| POTOMAC BASIN GROUP ASSOCIATES LLC3 Filed as: POTOMAC BASIN GROUP ASSOCIATION LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $467 | $4K | 6.90% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BULDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $500 | $500 | 0.94% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GHMSI/CFMI | 180 | $1.3M |
| Dental(2 contracts, 2 carriers) | GHMSI/CFMI | 180 | $1.3M |
| Vision | GHMSI/CFMI | 180 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $53K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $58K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 196 | $72K |
| Prescription drug | GHMSI/CFMI | 180 | $1.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.