| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | $101K | $195K | 13.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92K | $0 | $92K | 6.47% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE, LLC | PO BOX 95381 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.45% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC HAMILTON INS. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DELTA DENTAL OF TENNESSEE | $18K | $0 | $18K | 3.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $13K | $0 | $13K | 2.48% |
| HAMILTON INSURANCE AGENCY3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.01% |
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 | 2,256 | 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) | 2,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,940 | $527K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,508 | $158K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,256 | $1.4M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,256 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,256 | $1.4M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,256 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,508 | — |
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.