| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS SERV | 1800 SUTTER ST, SUITE 703 CONCORD, CA 94520 | CAREFIRST BLUECHOICE INC | — | $123K | $123K | 2.65% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER & STROHL ADMIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE INC | — | $2K | $2K | 0.05% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMINISTRATION AND INS SERV | 1800 SUTTER ST, SUITE 703 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $22K | $8K | $30K | 4.08% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69K | $17K | $86K | 14.55% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $43K | — | $43K | 10.65% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 10.62% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE RD SUITE 170 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $36K | — | $36K | 23.10% |
| ADVANBEN MIDATLANTIC, LLC3 Filed as: ADVANBEN MIDATLANTIC LLC | ONE BELMONT AVE SUITE 304 BALA CYNWYD, PA 19004 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 6.46% |
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 | 878 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE INC | 485 | $5.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $590K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $590K |
| Life insurance | STANDARD INSURANCE COMPANY | 878 | $203K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $590K |
| Long-term disability | STANDARD INSURANCE COMPANY | 870 | $403K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 485 | $4.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 677 | $747K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 878 | — |
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.