| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $165K | $846 | $165K | 2.42% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $66K | $22K | $89K | 15.09% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 1.56% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $23K | — | $23K | 4.99% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECNOLOGIES INC DBA THRE | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 1.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 6.57% |
| CAP STEWART3 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $935 | — | $935 | 3.25% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS | 303 EAST BURWELL STREET SALEM, VA 24153 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $518 | — | $518 | 1.80% |
| THE ROEBUCK GROUP LLC3 | 4300 WEST LAKE MARY BOULEVARD UIT 1010-337 LAKE MARY, FL 32746 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $38 | — | $38 | 0.13% |
| ZAINUDDEAN JEEWANJEE3 | 333 ASCENTE CMNS SUITE 103 SAN JOSE, CA 95125 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURA | PO BOX 2158 RIVERSIDE, CA 92516 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.07% |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 613 | $6.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 615 | $457K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 613 | $6.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 642 | $588K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 642 | $588K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 642 | $588K |
| Other(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 642 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.