| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $0 | $55K | $55K | 6.53% |
| GROUP BENEFIT SERVICES INC5 | 6 NORTH PARK DRIVE S310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $11K | $11K | 1.33% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 13816 GLEN MILL ROAD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE | $23K | — | $23K | 11.51% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE | $0 | $8K | $8K | 4.04% |
| KIMBERLY FERGUSON3 | 168 RIDGEWOOD DRIVE OAKLAND, MD 21550 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 1.04% |
| JOHN BETSON3 | 18202 PRESTWICK DR HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| ROBERT J VONGUNTEN3 | 10341 WOODSBORO ROAD WOODSBORO, MD 21798 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.10% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 102 | $847K |
| Dental | GUARDIAN LIFE INSURANCE | 117 | $196K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE | 117 | $197K |
| Long-term disability | GUARDIAN LIFE INSURANCE | 117 | $196K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 102 | $847K |
| Other | GUARDIAN LIFE INSURANCE | 117 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.