| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $39K | $5K | $44K | 4.96% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $19K | — | $19K | 2.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH APPELBAUM | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $15K | — | $15K | 3.86% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 8.46% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD, SUITE 170 ROCKVILLE, MD 20850 | DOMINION NATIONAL | $2K | — | $2K | 6.59% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.99% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.37% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.97% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | NGL | $204 | $0 | $204 | 4.99% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | 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 | 157 | $1.3M |
| Dental(2 contracts, 2 carriers) | DOMINION NATIONAL | 138 | $67K |
| Vision | NGL | 46 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 232 | $12K |
| Short-term disability | STANDARD INSURANCE COMPANY | 232 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 43 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.