| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD STE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE | $130K | $70K | $201K | 4.43% |
| GROUP BENEFITS SERVICES LLC5 Filed as: GROUP BENEFITS SERVICES INC | 6 NORTH PARK DRIVE S 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE | $0 | $17K | $17K | 0.38% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | CAREFIRST BLUECHOICE | $6K | $0 | $6K | 0.13% |
| BENEFITMALL5 Filed as: MATHER & STROHL/BENEFITMALL | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | $0 | $2K | $2K | 0.04% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $21K | — | $21K | 3.95% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF MID-ATLANTIC | $6K | — | $6K | 1.15% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 13816 GLEN MILL RD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $9K | $28K | 7.29% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | — | COMBINED INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 2.90% |
| N C HALBERT III3 Filed as: HALBERT CARMICHAEL JR | — | COMBINED INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.77% |
| DAVID J MCCLELLAN3 Filed as: DAVID R. RIDDICK | — | COMBINED INSURANCE COMPANY OF AMERICA | $676 | $0 | $676 | 0.28% |
| ESIC CORPORATION3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $204 | $0 | $204 | 0.09% |
| RICARDO ACEVEDO3 Filed as: RICARDO RIVERA | — | COMBINED INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.02% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 11.79% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $27K | $0 | $27K | 11.90% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 11.73% |
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 | 841 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 506 | $5.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 666 | $382K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 666 | $382K |
| Life insurance | STANDARD INSURANCE COMPANY | 841 | $178K |
| Short-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 730 | $478K |
| Long-term disability | STANDARD INSURANCE COMPANY | 836 | $225K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 506 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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.