| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALN J ZUCCARI, INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | NATIONAL HEALTH INSURANCE COMPANY | $53K | — | $53K | 12.50% |
| ROBERT DOOLEY3 | 219 SALTGRASS DRIVE GLEN BURNIE, MD 21060 | NATIONAL HEALTH INSURANCE COMPANY | $11K | — | $11K | 2.50% |
| BROKER NOT PROVIDED3 Filed as: BROKER RESOURCES | 3 THEO LANE TOWSON, MD 21204 | NATIONAL HEALTH INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $8K | $624 | $9K | 64.39% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 11.21% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | -$35 | — | -$35 | -0.27% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | -$53 | — | -$53 | -0.41% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FORT WORTH, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $55K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 27 | $5K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 131 | $421K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 164 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.