| 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 | QBE INSURANCE | — | $2K | $2K | 0.37% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PKWY STE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 14.39% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.64% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $2K | — | $2K | 14.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $176 | — | $176 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $12K |
| JAMES A SCOTT & SON INC INS AGENTS AND BROKERS | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 813 NORTHSHORE DR STE 101 KNOXVILLE, TN 37919 | $0 |
| HEALTHKEEPERS, INC. EIN 54-1356687 CLAIMS PROCESSING | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1351 WILLIAM HOWARD TAFT ROAD CINCINNATI, OH 45206 | -$24K |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 183 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 160 | $125K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $125K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $125K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 0 | $584K |
| Other | HARTFORD LIFE AND ACCIDENT | 160 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
No prospect flags tripped on this filing.