| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 Filed as: POTOMAC COMPANIES INC | 1803 RESEARCH BLVD, SUITE 604 SUITE 604 ROCKVILLE, MD 20850 | CAREFIRST ADMINISTRATORS LLC | $35K | — | $35K | 14.16% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 13816 GLEN MILL RD ROCKVILLE, MD 20850 | GUARDIAN | $14K | — | $14K | 9.16% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA POTOMAC COMPANIES | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | GUARDIAN | — | $7K | $7K | 4.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA POTOMAC COMPANIES | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | RXBENEFITS INC | — | $663 | $663 | 0.56% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST ADMINISTRATORS LLC | 81 | $250K |
| Dental | GUARDIAN | 126 | $155K |
| Short-term disability | GUARDIAN | 126 | $155K |
| Long-term disability | GUARDIAN | 126 | $155K |
| Prescription drug | RXBENEFITS INC | 82 | $118K |
| Stop-loss / reinsurancereinsurance | CAREFIRST ADMINISTRATORS LLC | 81 | $250K |
| Other(2 contracts, 2 carriers) | CAREFIRST ADMINISTRATORS LLC | 126 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.