| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | — | $62K | $62K | 7.57% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DRIVE S310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $10K | $10K | 1.27% |
| JOSEPH A APPELBAUM3 | 13816 GLEN MILL ROAD ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 10.24% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $7K | $14K | 6.68% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 113 | $814K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $213K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $213K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $213K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 113 | $814K |
| Other(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 136 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.