| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 7.78% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE)INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 2.50% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.66% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.65% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $7K | $0 | $7K | 6.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | 2.35% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $993 | $0 | $993 | 0.89% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON - LYNCHBURG, VA | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.86% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 223 | $111K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 201 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 214 | $163K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $163K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $163K |
| Other | HARTFORD LIFE AND ACCIDENT | 214 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.