| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE FINANCIAL GROUP LLC3 | 4664 SOUTH BOULEVARD SUITE 200 B VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $52K | — | $52K | 4.34% |
| PROPEL INSURANCE AGENCY LLC3 | PO BOX 2940 TACOMA, WA 98401 | HEALTHKEEPERS, INC. | $11K | — | $11K | 0.93% |
| 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 | $4K | — | $4K | 6.73% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE SUITE 1000 TACOMA, WA 98402 | DELTA DENTAL OF VIRGINIA | $801 | — | $801 | 1.42% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 17.97% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $850 | — | $850 | 2.03% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $2K | $877 | $3K | 23.04% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | SYMETRA LIFE INSURANCE COMPANY | $546 | — | $546 | 4.54% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.63% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $268 | — | $268 | 2.37% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | HARTFORD LIFE AND ACCIDENT | $637 | — | $637 | 7.19% |
| PROPEL INSURANCE3 | PO BOX 2940 TACOMA, WA 98401 | HARTFORD LIFE AND ACCIDENT | $274 | — | $274 | 3.09% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.70% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 2.31% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $685 | — | $685 | 8.92% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 1.08% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 17.84% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE # 1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 2.16% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $940 | — | $940 | 18.38% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE #1000 TACOMA, WA 98402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $83 | — | $83 | 1.62% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 124 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 171 | $56K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $42K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $16K |
| Other(4 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 151 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
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.