| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | DBA THREE FLO 306 W. ERIE ST.FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.50% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | DBA THREE FLO 306 W. ERIE ST.FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $758 | $758 | 1.50% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | DBA THREE FLO 306 W. ERIE ST.FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $566 | $566 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $2K | $353 | $2K | 15.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $2K | $206 | $2K | 16.75% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | DBA THREE FLO 306 W. ERIE ST.FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $167 | $167 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | METROPOLITAN GENERAL INSURANCE COMPANY | $862 | — | $862 | 10.03% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $853 | $166 | $1K | 13.84% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | SENTARA HEALTH INSURANCE COMPANY | 160 | $1.9M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 410 | $160K |
| Vision | FIDELITY SECURITY INSURANCE COMPANY (EYEMED) | 363 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $38K |
| Prescription drug(4 contracts) | SENTARA HEALTH INSURANCE COMPANY | 160 | $1.9M |
| Other(10 contracts, 5 carriers) | SENTARA HEALTH INSURANCE COMPANY | 240 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 410 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.