| 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 | $76K | — | $76K | 3.33% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $35K | $4K | $39K | 15.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST STE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | -$1 | -$1 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | -$11 | -$1 | -$12 | -0.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.67% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.62% |
| 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 | $6K | — | $6K | 19.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 W. BIG BEAVER RD. STE. 2300 TROY, MI 48084 | FIDELITY SECURITY LIFE INSURANCE COMPANY | -$200 | — | -$200 | -0.60% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 414 | $2.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 469 | $369K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 390 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 276 | $260K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 276 | $260K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 276 | $260K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 414 | $2.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 276 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
No prospect flags tripped on this filing.