| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. DBA SCOT | 1700 BAYBERRY RICHMOND, VA 23226 | QBE INSURANCE CORPORATION | — | $190K | $190K | 4.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. DBA SCOT | 1700 BAYBERRY RICHMOND, VA 23226 | RELIASTAR LIFE INSURANCE COMPANY | $213K | — | $213K | 6.64% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW RD SUITE 210 CHARLOTTE, NC 28210 | RELIASTAR LIFE INSURANCE COMPANY | $86K | $5K | $91K | 2.84% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | RELIASTAR LIFE INSURANCE COMPANY | — | $47K | $47K | 1.46% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DR SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | — | $25K | $25K | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.3M |
| WEX EIN 01-0526993 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $22K |
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 | 2,423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,571 | $235K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,615 | $3.2M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,615 | $3.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,615 | $3.2M |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 22,850 | $4.7M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,615 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,850 | — |
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.