| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS SERV | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | CAREFIRST BLUECHOICE, INC | $9K | $14K | $23K | 0.57% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC | — | $22K | $22K | 0.56% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 13816 GLEN MILL ROAD ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.82% |
| POTOMAC INSURANCE INC5 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 1.35% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS SERV | 1800 SUTTER STREET SUITE 730 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $17K | — | $17K | 3.22% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE STANDARD INSURANCE COMPANY | $34K | $0 | $34K | 11.03% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 11.00% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | THE STANDARD INSURANCE COMPANY | $25K | — | $25K | 11.23% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | — | COMBINED INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.61% |
| N C HALBERT III3 Filed as: HALBERT CARMICHAEL JR. | — | COMBINED INSURANCE COMPANY OF AMERICA | $892 | — | $892 | 0.44% |
| ESIC CORPORATION3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $165 | — | $165 | 0.08% |
| APRIL MECHATTO3 Filed as: APRIL L MASEFIELD | — | COMBINED INSURANCE COMPANY OF AMERICA | -$590 | — | -$590 | -0.29% |
| DANIEL B. KING3 Filed as: DANIEL B KING | — | COMBINED INSURANCE COMPANY OF AMERICA | — | -$842 | -$842 | -0.41% |
| CHRIS GUZEWICH3 Filed as: CHRIS NICOLAOU | — | COMBINED INSURANCE COMPANY OF AMERICA | -$1K | — | -$1K | -0.63% |
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. |
| 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, INC | 499 | $4.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $599K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 653 | $599K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 818 | $220K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD INSURANCE COMPANY | 439 | $509K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 813 | $292K |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 499 | $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.