| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.12% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $297 | $297 | 0.51% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $306 | $306 | 0.53% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.46% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECNOLOGIES, INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $113 | $113 | 0.53% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.33% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $102 | $102 | 0.51% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.15% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECNOLOGIES INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $56 | $56 | 0.52% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 104 | $59K |
| Vision | STANDARD INSURANCE COMPANY | 90 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 115 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 77 | $58K |
| Long-term disability | STANDARD INSURANCE COMPANY | 62 | $20K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $331K |
| Other | STANDARD INSURANCE COMPANY | 115 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.