| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SOLUTIONS5 Filed as: INTEGRATED INSURANCE SOLUTIONS INC | 44675 CAPE COURT SUITE 100 ASHBURN, VA 20147 | CAREFIRST OF MARYLAND, INC. | $18K | $107K | $125K | 2.94% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | $0 | $30K | $30K | 0.72% |
| JYOTI GUJRAL | 12121 THOROUGHBRED RD HERNDON, VA 20171 | GUARDIAN | $29K | $0 | $29K | — |
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 | 676 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 288 | $4.2M |
| Dental(2 contracts, 2 carriers) | CAREFIRST OF MARYLAND, INC. | 338 | $4.2M |
| Vision | CAREFIRST OF MARYLAND, INC. | 288 | $4.2M |
| Life insurance | GUARDIAN | 338 | $0 |
| Long-term disability | GUARDIAN | 338 | $0 |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 288 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
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.