| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SOLUTIONS3 Filed as: INTEGRATED INSURANCE SOLUTIONS, INC | 44675 CAPE COURT, SUITE 100 ASHBURN, VA 20147 | OPTUM HEALTH - UNIMERICA INSURANCE COMPANY | $128K | — | $128K | 21.57% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1430 SPRING HILL RD STE 320 MCLEAN, VA 22102 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $16K | — | $16K | 9.71% |
| ZAKIPOINT LLC | 68 PARK AVENUE CAMBRIDGE, MA 02142 | CIGNA | — | $6K | $6K | 6.72% |
| INTEGRATED INSURANCE SOLUTIONS3 | 44675 CAPE COURT, SUITE 100 ASHBURN, VA 20147 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN HEALTH HOLDINGS, INC. EIN 31-1368946 | Contract Administrator Service code 13 | 7400 WEST CAMPUS ROAD NEW ALBANY, OH 43054 | $0 |
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 | 384 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTUM HEALTH - UNIMERICA INSURANCE COMPANY | 384 | $678K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 371 | $160K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 349 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.