| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BOULEVARD SUITE 200B VIRGINIA, VA 23452 | HEALTHKEEPERS, INC. | $63K | — | $63K | 5.24% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $69 | $6K | 10.12% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $136 | $11K | 20.25% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $39 | $3K | 20.23% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 34.17% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $15 | $1K | 10.12% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $21 | $2K | 20.21% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | HARTFORD LIFE AND ACCIDENT | $881 | — | $881 | 10.72% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $21 | $2K | 20.25% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $941 | $13 | $954 | 20.28% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | TELEMEDICINE MANAGEMENT, INC. DBA SWIFTMD | $384 | — | $384 | 16.67% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | 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 |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 130 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $56K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $13K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 157 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $55K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $22K |
| Other(5 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 157 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.