| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 10.60% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 8.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 8.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 8.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $1K | — | $1K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $990 | — | $990 | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT I | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $143 | — | $143 | 15.02% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $95 | — | $95 | 9.98% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 121 | $92K |
| Life insurance(2 contracts) | USABLE LIFE | 145 | $24K |
| Short-term disability | USABLE LIFE | 145 | $21K |
| Long-term disability | USABLE LIFE | 145 | $28K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.