| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G SCOTT COOKE3 Filed as: SCOTT INSURANCE A DIVISION OF JAMES | — | QBE INSURANCE | $2K | — | $2K | 0.42% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $676 | $676 | 1.43% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $138 | $138 | 0.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $1K | — | $1K | 5.12% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $99 | — | $99 | 0.46% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $968 | — | $968 | 6.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $646 | — | $646 | 4.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $313 | — | $313 | 3.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $209 | — | $209 | 2.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $412 | — | $412 | 20.02% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 160 | $24K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $58K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 258 | $47K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 147 | $474K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 258 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
No prospect flags tripped on this filing.