| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP ASSOCIATION CONSU | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | AETNA HEALTH, INC. | $0 | $346K | $346K | 5.20% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE FAIRFAX, VA 22030 | AETNA HEALTH, INC. | $104K | — | $104K | 1.56% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR, STE 400 BETHESDA, MD 20817 | AETNA LIFE INSURANCE CO. | $39K | $208K | $247K | 4.19% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE FAIRFAX, VA 22030 | AETNA LIFE INSURANCE CO. | $88K | — | $88K | 1.50% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC/THE | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $280K | $37K | $317K | 5.47% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC T/A HAMILTON INS | 4100 MONUMENT CORNER DRIVE, STE 500 FAIRFAX, VA 220308621 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $121K | $0 | $121K | 2.09% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP ASSOCIATION CONSU | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $5K | $63K | 18.45% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | NATIONAL GUARDIAN LIFE INSURANCE COMPAMY | $10K | — | $10K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CENTER FOR NONPROFIT ADVANCEMENT EIN 52-1139669 ADMINISTRATOR | Plan Administrator Service code 14 | — | $211K |
| CALIBRE CPA GROUP EIN 47-0900880 ACCOUNTING SERVICES | Accounting (including auditing) Service code 10 | — | $99K |
| JBG SMITH EIN 52-6097909 RENT | Other services Service code 49 | — | $77K |
| COOLEY AND DARLING EIN 56-2672096 INSURANCE SERVICES | Insurance services Service code 23 | — | $28K |
| CLIFTONLARSONALLEN EIN 41-0746749 AUDIT AND ACCOUNTING | Accounting (including auditing) Service code 10 | — | $25K |
| M & T BANK EIN 16-0538020 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $21K |
| SIMPLE IT CARE EIN 71-0981985 IT SERVICES | Other services Service code 49 | — | $10K |
| KILPATRICK, TOWNSEND AND STOCKTON EIN 58-0511774 TRUSTEE | Legal Service code 29 | — | $8K |
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 | 2,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,460 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,052 | $11.7M |
| Dental | AETNA LIFE INSURANCE CO. | 2,052 | $5.9M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPAMY | 1,235 | $102K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,724 | $344K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,724 | $344K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,724 | $344K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,724 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,052 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.