| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES S MCHENRY | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $47K | — | $47K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 2300 TROY, MI 48084 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.10% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 12.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $16 | — | $16 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2 | $2 | 0.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 4.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS - RICHMOND, VA | 3900 WESTERRE PKWY, STE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 3331 W. BIG BEAVER RD., STE 200 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 261 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 495 | $2.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 534 | $130K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 401 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 303 | $303K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $303K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 303 | $303K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 495 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 303 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.