| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AIG BENEFIT SOLUTIONS | $1K | — | $1K | 0.70% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE STANDARD INSURANCE COMPANY | $12K | — | $12K | 11.88% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | THE STANDARD INSURANCE COMPANY | $414 | — | $414 | 0.42% |
| HEALTHKEEPERS INC0 | MAIL DROP OH0401 B265 1351 WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | HEALTHKEEPERS INC | $1K | — | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES A SCOTT & SON INC EIN 54-0372970 | Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees; Other commissions; Consulting (general); Contract Administrator Service code 12 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | $13K |
| C2 CENTRIC LLC EIN 99-0242990 | Contract Administrator Service code 13 | PO BOX 6824 GRAND RAPIDS, MI 49516 | $414 |
| ANTHEM HEALTHKEEPERS INC EIN 54-1356687 | Claims processing; Float revenue; Other fees; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | MAIL DROP OH0401 B265 1351 WM HOWARD TAFT ROAD CINCINNATI, OH 452061721 | $41 |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AIG BENEFIT SOLUTIONS | 139 | $174K |
| Dental | DELTA DENTAL OF VIRGINIA | 190 | $0 |
| Life insurance | THE STANDARD INSURANCE COMPANY | 191 | $99K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 191 | $99K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 191 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.