| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN AND INSURANCE SVS INC | 1800 SUTTER STREET CONCORD, CA 94520 | CAREFIRST BLUECHOICE, INC. | — | $140K | $140K | 3.64% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | $8K | $89K | 10.82% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN AND INS SERVICES INC | 1800 SUTTER STREET SUITE 730 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $23K | $4K | $27K | 3.48% |
| JOSEPH A APPELBAUM3 | 13816 GLEN MILL ROAD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80K | — | $80K | 11.55% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 2.99% |
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 | 820 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 448 | $4.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 674 | $694K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 674 | $694K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 820 | $819K |
| Short-term disability(2 contracts) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 820 | $1.5M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 820 | $819K |
| Prescription drug(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 448 | $4.6M |
| Other(4 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 820 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.