| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES CORP | 5301 WISCONSIN AVENUE NW, SUITE 210 WASHINGTON, DC 20015 | CAREFIRST BLUECHOICE, INC | $11K | $148K | $159K | 3.55% |
| ALAN J ZUCCARI INC5 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMNET CENTER CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE, INC | $0 | $4K | $4K | 0.09% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $109K | $0 | $109K | 5.67% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY, INC. | 7 STATE CIRCE, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $62K | $0 | $62K | 3.21% |
| WANADA BUSINESS SERVICES CORP.3 Filed as: WANADA BUSINESS SERVICES CORP | C/O JOHN ODONNELL PRES WASHINGTON, DC 20015 | AMERICAN FIDELITY ASSURANCE COMPANY | $76 | $0 | $76 | 0.00% |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 54 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC | 909 | $6.4M |
| Vision | CAREFIRST BLUECHOICE, INC | 909 | $4.5M |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 63 | $1.9M |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 63 | $1.9M |
| Prescription drug | CAREFIRST BLUECHOICE, INC | 909 | $4.5M |
| Other | AMERICAN FIDELITY ASSURANCE COMPANY | 63 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 909 | — |
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."
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.