| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG WALLACE INSURANCE AGENCY3 Filed as: DOUG WALLACE INS AGENCY INC | 775 STATION ST HERNDON, VA 20170 | INNOVATION HEALTH | $28K | — | $28K | 2.06% |
| DOUG WALLACE INSURANCE AGENCY3 Filed as: DOUG WALLACE INS AGENCY INC | 775 STATION ST HERNDON, VA 20170 | INNOVATIVE HEALTH | $5K | — | $5K | 2.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ MT DONAHOE & ASSOC | 9841 BROKEN LAND PARKWAY, SUITE 116 COLUMBIA, MD 21046 | DOMINION NATIONAL | $5K | — | $5K | 10.02% |
| 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 | $558 | — | $558 | 1.91% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INNOVATIVE HEALTH | 29 | $236K |
| Dental | DOMINION NATIONAL | 87 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 254 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.