| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | $57K | $11K | $68K | 5.98% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | — | $10K | $10K | 0.92% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC HAMILTON INS | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 220308621 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | $1K | $2K | 4.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 220308621 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 220308621 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 220308621 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMNET CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| HAMILTON INSURANCE AGENCY3 | 12603 HILLMEADE STATION DRIVE BOWIE, MD 20720 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $451 | — | $451 | 5.16% |
| AHA FINANCIAL SOLUTIONS, INC.3 Filed as: AHA FINANCIAL SOLUTIONS INC | 155 N WACKER DRIVE SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $13 | — | $13 | 0.15% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 93 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $39K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 77 | $11K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $43K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 31 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 31 | $24K |
| Prescription drug | CAREFIRST BLUECHOICE | 93 | $1.1M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.