| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73K | $16K | $89K | 37.40% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $31K | $4K | $35K | 14.75% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $5K | $24K | 12.50% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $4K | $30K | 31.94% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $932 | $12K | 12.91% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 17.86% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1700 BAYBERRY COURT RICHMOND, VA 23226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.71% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $119 | — | $119 | 21.60% |
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 | 651 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 0 | $289K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 446 | $323K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 676 | $484K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 455 | $237K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 676 | $192K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 0 | $289K |
| Other(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 676 | $579K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.