| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAMILTON INSURANCE AGENCY3 Filed as: HAMILTON INS. AGENCY T/A ALAN J. ZU | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DOMINION NATIONAL | $61K | — | $61K | 19.11% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $44K | — | $44K | 16.67% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 9.80% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | SYMETRA LIFE INSURANCE COMPANY | $11K | $6K | $17K | 24.53% |
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 | 1,714 | 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) | 1,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 69 | $112K |
| Dental | DOMINION NATIONAL | 1,063 | $319K |
| Vision | DOMINION NATIONAL | 1,063 | $319K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,714 | $261K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,714 | $261K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,714 | $261K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 521 | $1.8M |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,936 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,936 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.