| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC. DBA HAMILTON IN | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, INC. | $31K | $536 | $32K | 3.98% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE #500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $511 | — | $511 | 9.37% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC, INC. | 91 | $799K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 65 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 42 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $52K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.