| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | QBE INSURANCE | — | $2K | $2K | 0.40% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVE MILL ROAD SUITE 306 LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $25K | $671 | $26K | 15.40% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS,LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 282603438 | VISION SERVICE PLAN | $789 | — | $789 | 7.11% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $55 | — | $55 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 CLAIMS PROCESSING | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Other services Service code 12 | — | $13K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMIN | Contract Administrator Service code 13 | — | $11K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $720 |
| HEALTHKEEPERS, INC. EIN 54-1356687 CLAIMS PROCESSING | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $0 |
| JAMES A SCOTT & SON INC INS AGENTS AND BROKERS | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 813 NORTHSHORE DR STE 101 KNOXVILLE, TN 37919 | $0 |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 195 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 301 | $167K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 301 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 301 | $167K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 144 | $557K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 301 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.