| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 22030 | HORIZON HEALTHCARE SERVICES, INC. | $128K | $0 | $128K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47 STREET KANSAS CITY, MO 64112 | HORIZON HEALTHCARE SERVICES, INC. | $54K | $0 | $54K | 0.33% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 220308609 | PRINCIPAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 9.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 751 ARBOR WAY STE 250 BLUE BELL, PA 194221964 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.02% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DR STE 500 FAIRFAX, VA 220308609 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.76% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 022417484 | VISION SERVICE PLAN | $3K | $0 | $3K | 4.43% |
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 | 1,702 | 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) | 1,702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 878 | $16.3M |
| Vision | VISION SERVICE PLAN | 665 | $58K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 2,403 | $514K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,403 | $514K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 2,403 | $514K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 878 | $16.3M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 2,403 | $514K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,403 | — |
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.
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.