| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE | $166K | $71K | $237K | 4.29% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | — | $22K | $22K | 0.40% |
| JOSEPH A APPELBAUM3 Filed as: JOSEPH A. APPELBALM | 13816 GLEN MILL RD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 8.75% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | COMBINED INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 8.38% |
| N C HALBERT III3 Filed as: HALBERT CARMICHAEL JR | 7731 TERRAVIEW COURT HANOVER, MD 21076 | COMBINED INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.94% |
| ESIC CORPORATION3 | 38 SOUTH MARKET STREET SUITE 200 FREDERICK, MD 21701 | COMBINED INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 0.08% |
| LINDA W OLGUIN3 Filed as: LINDA R VAZQUEZ | — | COMBINED INSURANCE COMPANY OF AMERICA | $128 | — | $128 | 0.05% |
| RICARDO ACEVEDO3 Filed as: RICARDO RIVERA | — | COMBINED INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.01% |
| JUAN BELTRAN3 | 12431 SW 94TH COURT MIAMI, FL 33617 | COMBINED INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.01% |
| JANIS JEFFREYS3 | 2023 OLD PHILADELPHIA PIKE LANCASTER, PA 17602 | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.00% |
| TANEEKA HUGHES3 | 1435 SOUTHERN AVE OXEN HILL, MD 20745 | COMBINED INSURANCE COMPANY OF AMERICA | -$264 | — | -$264 | -0.10% |
| KIANNA JONAS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | -$504 | — | -$504 | -0.19% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON ANDERSON | — | COMBINED INSURANCE COMPANY OF AMERICA | -$771 | — | -$771 | -0.29% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 11.18% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $24K | — | $24K | 11.18% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 11.18% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $737 | $30 | $767 | 3.44% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $402 | — | $402 | 1.80% |
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 | 883 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 630 | $5.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 675 | $379K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 675 | $379K |
| Life insurance | STANDARD INSURANCE COMPANY | 883 | $164K |
| Short-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 629 | $486K |
| Long-term disability | STANDARD INSURANCE COMPANY | 880 | $215K |
| Prescription drug | CAREFIRST BLUECHOICE | 630 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 883 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.