| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | CAREFIRST BLUECHOICE | $112K | $29K | $141K | 4.10% |
| BENEFITMALL5 Filed as: BENEFITMALL/MATHER & STROHL ADMIN | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE | $0 | $21K | $21K | 0.60% |
| NON STOP ADMIN AND INS SERVICES INC3 | 1800 SUTTER STREET SUITE 730 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $11K | — | $11K | 1.90% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $3K | $10K | 1.72% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | — | $4K | 0.69% |
| N C HALBERT III3 Filed as: HALBERT CARMICHAEL JR. | — | COMBINED INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.79% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | — | COMBINED INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 3.64% |
| DANIEL B. KING3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.74% |
| CHRIS GUZEWICH3 Filed as: CHRIS NICOLAU | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.66% |
| APRIL MECHATTO3 Filed as: APRIL L. MASEFIELD | — | COMBINED INSURANCE COMPANY OF AMERICA | $839 | $0 | $839 | 0.39% |
| ESIC CORPORATION3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $185 | $0 | $185 | 0.09% |
| RICARDO ACEVEDO3 Filed as: RICARDO RIVERA | — | COMBINED INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID R. RIDDICK | — | COMBINED INSURANCE COMPANY OF AMERICA | -$159 | $0 | -$159 | -0.07% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 4.08% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.93% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.08% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| POTOMAC INSURANCE INC | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 4.18% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 13816 GLEN MILL ROAD ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $9K | $25K | 17.70% |
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 | 818 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 481 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $139K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 616 | $139K |
| Life insurance | STANDARD INSURANCE COMPANY | 818 | $168K |
| Short-term disability(2 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 746 | $432K |
| Long-term disability | STANDARD INSURANCE COMPANY | 813 | $198K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE | 481 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.