| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | INNOVATION HEALTH | $59K | — | $59K | 4.81% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | INNOVATION HEALTH | $25K | — | $25K | 2.08% |
| JOHNSON & STRACHAN3 Filed as: JOHNSON & STRACHAN INC. | 11240 WAPLES MILL ROAD SUITE 101 FAIRFAX, VA 22030 | INNOVATION HEALTH | $5K | — | $5K | 0.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VIRGINIA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | INNOVATION HEALTH | $6K | — | $6K | 4.82% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRINGHILL ROAD SHITE 150 MCLEAN, VA 22102 | INNOVATION HEALTH | $3K | — | $3K | 2.11% |
| JOHNSON & STRACHAN3 | 11240 WAPLES MILL ROAD SUITE 101 FAIRFAX, VA 22030 | INNOVATION HEALTH | $608 | — | $608 | 0.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 4.82% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRINGHILL ROAD SUITE 150 MCLEAN, VA 22102 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 2.10% |
| JOHNSON & STRACHAN3 Filed as: JOHNSON & STRACHAN, INC. | 11240 WAPLES MILL ROAD SUITE 101 FAIRFAX, VA 22030 | AETNA LIFE INSURANCE CO. | $300 | — | $300 | 0.42% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INNOVATION HEALTH | 291 | $1.4M |
| Prescription drug(3 contracts, 2 carriers) | INNOVATION HEALTH | 291 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.