| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | $89K | $15K | $104K | 5.86% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMNENT CORNER DR., STE. 500 FAIRFAX, VA 22030 | AMERITAS LIFE INSURANCE CORPORATION | $9K | — | $9K | 7.31% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DR. # 500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $109 | $12K | 20.19% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DR., #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $111 | $11K | 20.21% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DR. # 500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $85 | $8K | 20.23% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 145 | $1.8M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 141 | $125K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 141 | $125K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $53K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $37K |
| Prescription drug | CAREFIRST BLUECHOICE | 145 | $1.8M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.