| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C2-COLLABORATION CENTRIC SOLUTIONS3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | UNIMERICA INSURANCE COMPANY | $12K | — | $12K | 4.01% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | -$1K | -$1K | -0.44% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 2.15% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 2.07% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.10% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.64% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $307 | $307 | 2.06% |
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 | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 657 | $184K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 559 | $231K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 721 | $127K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 594 | $294K |
| Other(4 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 854 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.