| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INCORPORATED | 5211 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $37K | — | $37K | 2.41% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF MISSOURI | $12K | — | $12K | 9.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECNOLOGIES INC DBA THRE | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $543 | $543 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $375 | $375 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $285 | $285 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $2K | — | $2K | 15.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $79 | — | $79 | 0.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $431 | $2K | 19.74% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $136 | $136 | 1.49% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $216 | $1K | 18.16% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $103 | $103 | 1.51% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $938 | — | $938 | 15.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $94 | $94 | 1.50% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 121 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 314 | $124K |
| Vision | VISION SERVICE PLAN | 104 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 121 | $1.5M |
| Other(6 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 154 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.