| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MC LEAN, VA 22102 | HEALTHKEEPERS, INC. | $13K | — | $13K | 0.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HEALTHKEEPERS, INC. | $8K | — | $8K | 0.60% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | HEALTHKEEPERS, INC. | $8K | — | $8K | 0.58% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF VIRGINIA | $959 | — | $959 | 1.71% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC DBA HAMILTON INS | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DELTA DENTAL OF VIRGINIA | $701 | — | $701 | 1.25% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.13% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24506 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.39% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.61% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT COURNER DRIVE SUITE 500 FAIRFAX, VA 22030 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 18.03% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $820 | — | $820 | 6.39% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $464 | — | $464 | 3.62% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.17% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $566 | — | $566 | 6.83% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 131 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 129 | $56K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 131 | $1.3M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 151 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $42K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 151 | $26K |
| Other(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 151 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.