| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES A. SCOTT & SON R | — | QBE INSURANCE | — | $2K | $2K | 0.41% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $24K | — | $24K | 16.04% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS,LLC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.63% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $957 | $957 | 0.64% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | EYEMED VISION CARE | $1K | — | $1K | 10.32% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $1K | — | $1K | 10.32% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 117 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 190 | $148K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $148K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 182 | $594K |
| Other | HARTFORD LIFE AND ACCIDENT | 190 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.