| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERGRATED INS SOLUTIONS Filed as: INTERGRATED INSURANCE SOLUTIONS | 44675 CAPE COURT, SUITE 100 ASHBURN, VA 20147 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 14.04% |
| SIGNIFICA BENEFIT SERVICES, INC. | PO BOX 7777 LANCASTER, PA 176047777 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| EMPLOYEE BENEFITS CORP OF AMERICA | 1410 SPRING HILL RD #301 MCLEAN, VA 22012 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SIGNIFICA BENEFITS SERVICES, INC. EIN 23-2504308 THIRD PARTY ADMINISTRATOR | Claims processing; Plan Administrator Service code 12 | PO BOX 7777 LANCASTER, PA 176047777 | $32K |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $154K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 99 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.