| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $38K | $2K | $40K | 23.12% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVE SUITE #550 SAN ANTONIO, TX 78232 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 6.12% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.39% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORP. | $5K | $124 | $5K | 40.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON - LYNCHBURG, V | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE | $1K | $0 | $1K | 10.88% |
| SCOTT INSURANCE3 | 3900 WESTERRE PKWY #200 RICHMOND, VA 23233 | LEGAL RESOURCES | $219 | $0 | $219 | 5.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAMES A SCOTT & SON INC EIN 54-0372970 BROKER | Insurance agents and brokers Service code 22 | — | $55K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $33K |
| UMR, INC EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $27K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 187 | $13K |
| Vision | EYEMED VISION CARE | 207 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 365 | $174K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 365 | $174K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 365 | $174K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIMERICA INSURANCE COMPANY | 174 | $290K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 365 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.