| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | HAMILTON INSURANCE AGENCY | $113K | $41K | $155K | 15.86% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $30K | — | $30K | 16.60% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DOMINION NATIONAL | $7K | — | $7K | 5.03% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $24K | $5K | $29K | 47.53% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 3.55% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 2.45% |
| DANIEL C HARRIS3 Filed as: DANIEL CARL HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.71% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVENUE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.39% |
| HEATHER MARIE BARTLEY3 | 324 OSPREY COURT WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.08% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 3.84% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 2.40% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVENUE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.38% |
| DANIEL C HARRIS3 Filed as: DANIEL CARL HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.38% |
| HEATHER MARIE BARTLEY3 | 324 OSPREY COURT WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.10% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 3.47% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 2.36% |
| DANIEL C HARRIS3 Filed as: DANIEL CARL HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.69% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVENUE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.42% |
| HEATHER MARIE BARTLEY3 | 324 OSPREY COURT WEXFORD, PA 15090 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.14% |
| BRIAN W PATTEN3 Filed as: BRIAN PATTEN | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY, PA 16066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 3.76% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH DEERFIELD, IL 60015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 2.33% |
| TERESA LYNN FOUTZ3 | 1877 LEALAND AVENUE POLAND, OH 44514 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.36% |
| DANIEL C HARRIS3 Filed as: DANIEL CARL HARRIS | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.36% |
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 | 1,114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 736 | $145K |
| Vision | DOMINION NATIONAL | 736 | $145K |
| Life insurance(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,528 | $186K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,528 | $182K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,528 | $182K |
| Stop-loss / reinsurancereinsurance | HAMILTON INSURANCE AGENCY | 274 | $976K |
| Other(7 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,528 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.