| 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 | $170K | $8K | $177K | 11.30% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE, LLC | PO BOX 95381 CHICAGO, IL 60694 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | $26K | $99K | 6.30% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DELTA DENTAL OF TENNESSEE | $31K | $0 | $31K | 6.00% |
| HAMILTON INSURANCE AGENCY3 Filed as: HAMILTON INSURANCE COMPANY | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.06% |
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 | 2,419 | 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) | 2,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 2,046 | $511K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,864 | $160K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,419 | $1.6M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,419 | $1.6M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,419 | $1.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,419 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,419 | — |
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.
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.