| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WANADA BUSINESS SERVICES CORP.3 | 5301 WISCONSIN AVENUE NW, 2ND FLOOR WASHINGTON, DC 20015 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $86K | $9K | $96K | 3.93% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI INC | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $68K | $0 | $68K | 2.82% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC | 7 STATE CIRCLE, SUITE 301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $22K | $0 | $22K | 4.93% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $20K | $0 | $20K | 4.50% |
| WANADA BUSINESS SERVICES CORP.3 | UNKNOWN WASHINGTON, DC 20015 | AMERICAN FIDELITY ASSURANCE COMPANY | $111 | $0 | $111 | 0.03% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | $0 | $5K | — |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 472 | $2.9M |
| Vision | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 472 | $2.4M |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 224 | $438K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 224 | $438K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 472 | $2.4M |
| Other(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 224 | $438K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.