| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG WALLACE INSURANCE AGENCY3 Filed as: DOUG WALLANCE | 775 STATION ST HERNDON, VA 20170 | INNOVATIVE HEALTH | — | $34K | $34K | 2.05% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD, SUITE 150 MCLEAN, VA 22102 | INNOVATIVE HEALTH | $13K | — | $13K | 0.78% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ MT DONAHOE & ASSOC | 9755 PATUXENT WOODS DR, SUITE 250 COLUMBIA, MD 21046 | DOMINION NATIONAL | $6K | — | $6K | 9.75% |
| DOUG WALLACE INS3 | THE WALLACE AGENCY INC 14704 RABBIT RUN CT CENTREVILLE, VA 20120 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 10.00% |
| DOUG WALLACE INSURANCE AGENCY3 | 775 STATION ST HERNDON, VA 22070 | AETNA HEALTH, INC | — | $309 | $309 | 1.90% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL RD MCLEAN, VA 22102 | AETNA HEALTH, INC | $86 | — | $86 | 0.53% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATIVE HEALTH | 221 | $1.7M |
| Dental | DOMINION NATIONAL | 93 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 252 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
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.