| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | $39K | — | $39K | 4.69% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | EXPRESS SCRIPTS | $3K | — | $3K | 0.97% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD LIFE AND ACCIDENT | $12K | $1K | $13K | 14.20% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | THE HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.38% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.95% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 3900 WESTERRE PKWY, STE 200 RICHMOND, VA 23233 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $123 | — | $123 | 9.98% |
| THREEFLOW3 | 306 W. ERIE STREET CHICAGO, IL 60654 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $54 | — | $54 | 4.38% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY (UNUM) | $8 | — | $8 | 1.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT INC. EIN 81-0400550 3RD PARTY ADMIN | Contract Administrator Service code 13 | 2806 S. GARFIELD ST. STE. 101 MISSOULA, MT 59801 | $25K |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | 156 | $840K |
| Dental | DELTA DENTAL OF VIRGINIA | 213 | $72K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 135 | $1K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 138 | $94K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 138 | $94K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 138 | $94K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS | 156 | $319K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 79 | $260K |
| Other(3 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT | 138 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.