| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | — | QBE INSURANCE | — | $17K | $17K | 1.69% |
| JAMES A SCOTT & SON INC3 | PO BOX10489 LYNCHBURG, VA 24506 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 11.99% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $390 | $390 | 0.13% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $8K | $57K | 54.49% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 21.92% |
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 | 633 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 392 | $297K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 392 | $297K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 392 | $297K |
| Other(3 contracts, 3 carriers) | QBE INSURANCE | 564 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.