| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 50 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $33K | $3 | $33K | 6.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $16K | $6K | $22K | 4.11% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $205 | $18K | $18K | 5.14% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.44% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $20K | 9.64% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 50 FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $8K | $8K | 3.86% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 50 FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.88% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | $3K | $1K | $4K | 4.44% |
| HAMILTON BENEFITS LLC5 Filed as: HAMILTON INSURANCE | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | $0 | $3K | $3K | 3.27% |
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 | 175 | 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) | 175 | 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 | 155 | $891K |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 244 | $97K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 56 | $350K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $204K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $204K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $204K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 155 | $541K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.