| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $53K | $53K | 4.70% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $8K | $2K | $9K | 14.10% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI CONSULTING GROUP INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $770 | — | $770 | 1.16% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORP. | $5K | $653 | $6K | 15.15% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD SUITE 150 GLEN ALLEN, VA 23060 | AMERITAS LIFE INSURANCE CORP. | $595 | — | $595 | 1.49% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 83 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 182 | $40K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 182 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 105 | $67K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 105 | $67K |
| Other | HARTFORD LIFE AND ACCIDENT | 105 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.