| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1410 SPRING HILL ROAD SUITE 150 MELEAN, VA 22102 | HEALTHKEEPERS INC | $30K | — | $30K | 3.16% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI | 4100 MONUMENT CORNER DR SUITE 500 FAIRFAX, VA 22030 | DELTA DENTAL | $2K | — | $2K | 2.98% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.96% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER D SUITE 500 FAIRFAX, VA 22030 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 21.58% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | $1K | $33 | $1K | 20.53% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS INC | 116 | $973K |
| Dental | DELTA DENTAL | 117 | $56K |
| Long-term disability | THE LINCILN NATIONAL LIFE INSURANCE COMPANY | 17 | $6K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 22 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.