| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 13.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF NEW MEXICO | $9K | — | $9K | 4.91% |
| SCOTT INSURANCE3 | 10100 GLOBAL WAY STE 240 KNOXVILLE, TN 37932 | DELTA DENTAL OF NEW MEXICO | $8K | — | $8K | 4.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $15K | 20.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $352 | $4K | 8.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 628 GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 2.71% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 435 | $173K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 431 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $206K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $206K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $206K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.