| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH A APPELBAUM3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $11K | — | $11K | 3.18% |
| EMERSON REID LLC5 Filed as: EMERSON REID & COMPANY | 4507 N FRONT STREET SUITE 301 HARRISBURG, PA 17110 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $4K | — | $4K | 1.10% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $37K | — | $37K | 11.44% |
| POTOMAC INSURANCE INC3 Filed as: POTOMAC INSURANCE | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | GUARDIAN | $9K | $4K | $13K | 12.40% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.01% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 11.81% |
| POTOMAC INSURANCE INC3 | 15825 SHADY GROVE ROAD SUITE 170 ROCKVILLE, MD 20850 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.30% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 94 | $680K |
| Dental | GUARDIAN | 124 | $107K |
| Vision | GUARDIAN | 124 | $107K |
| Life insurance | STANDARD INSURANCE COMPANY | 164 | $11K |
| Short-term disability | STANDARD INSURANCE COMPANY | 163 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 25 | $32K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 94 | $680K |
| Other(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 124 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.