| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 9.61% |
| MANAGED BENEFITS, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 2.98% |
| JAMES A SCOTT & SON INC3 | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 11.03% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.01% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $765 | — | $765 | 4.12% |
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | VISION SERVICE PLAN | $289 | — | $289 | 1.56% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $47K |
| Vision | VISION SERVICE PLAN | 231 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $47K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $511K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.