| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS, INC. | 1301 OLD GRAVES MILLS RD. LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 14.53% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS INSURANCE AGENCY INC. | PO BOX 819 CHERRYVILLE, NC 28021 | UNUM INSURANCE COMPANY | $5K | — | $5K | 15.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE | $3K | — | $3K | 10.91% |
| CARLISA E BRYANT4 | PO BOX 2571 DAVIDSON, NC 28036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | — | $55 | 8.81% |
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 | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 787 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $179K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $179K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $179K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 787 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.