| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | HARTFORD LIFE AND ACCIDENT | $68K | $0 | $68K | 11.99% |
| JAMES SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $54K | $5K | $58K | 10.28% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 0.90% |
| JAMES SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $18K | $0 | $18K | 5.01% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, LLC | 306 WEST ERIR STREET, SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $1K | $0 | $1K | 0.34% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT & SONS | 3900 WESTERRE PARKWAY, SUITE 200 RICHMOND, VA 23233 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $6K | $0 | $6K | 10.07% |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 937 | $351K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 833 | $60K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,188 | $566K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,188 | $566K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,188 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,188 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.