| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM, INC. | — | QBE INSURANCE | — | $5K | $5K | 1.30% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $308 | $5K | 11.86% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $545 | $419 | $964 | 2.09% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $1K | — | $1K | 4.70% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $963 | $65 | $1K | 10.67% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $244 | — | $244 | 2.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $119 | $91 | $210 | 2.18% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $267 | $18 | $285 | 10.65% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 2.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | $25 | $58 | 2.17% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 150 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 247 | $10K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 199 | $418K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.