| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUIE 306 GREENSBORO, NC 27408 | HEALTHKEEPERS, INC. | $16K | — | $16K | 3.10% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | $33K | — | $33K | 12.82% |
| JAMES A SCOTT & SON INC3 | — | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | — | $13K | $13K | 4.97% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | $276 | — | $276 | 0.11% |
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 | 376 | 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) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 313 | $180K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 611 | $39K |
| Life insurance | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | 433 | $260K |
| Short-term disability | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | 433 | $260K |
| Long-term disability | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | 433 | $260K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 387 | $507K |
| Other | THE GUARDIAN LIFE INSUANCE COMPANY OF AMERICA | 433 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 611 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.