| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH P CALARCO Filed as: JOSEPH APPELBAUM | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $28K | — | $28K | 3.72% |
| GROUP BENEFIT SERVICES INC3 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $14K | — | $14K | 1.86% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE, INC | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $6K | — | $6K | 0.78% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 0.36% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $16K | — | $16K | 3.38% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.38% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.17% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | DENTAQUEST | $2K | — | $2K | 6.46% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.71% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE, INC | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | NGL | $202 | — | $202 | 5.01% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 144 | $1.2M |
| Dental | DENTAQUEST | 133 | $34K |
| Vision | NGL | 109 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 213 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 213 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 52 | $37K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 56 | $484K |
| Other | STANDARD INSURANCE COMPANY | 213 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.