| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $129K | $142K | 4.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $31K | $207 | $31K | 26.86% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.92% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 6230 FAIRVIEW DRIVE SUITE 210 CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | -$6K | — | -$6K | -4.85% |
| FLORES AND ASSOCIATES3 | 1218 S CHURCH STREET CHARLOTTE, NC 28203 | FLORES AND ASSOCIATES | — | $3K | $3K | 3.80% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE ON BEHLAF OF FIDELITY SECURITY LIFE INSURANCE COMPA | $1K | — | $1K | 5.38% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $7K | $7K | 54.06% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DRIVE SUITE 210 CHARLOTTE, NC 28210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.55% |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $3.4M |
| Vision | EYEMED VISION CARE ON BEHLAF OF FIDELITY SECURITY LIFE INSURANCE COMPA | 333 | $19K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 543 | $129K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 543 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 543 | $116K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 543 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.