| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 3.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.00% |
| UMR, INC.3 | 115 WEST WAUSAU AVENUE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.38% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 2.40% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COMMUNITY EYE CARE | $5K | — | $5K | 10.00% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 450 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 462 | $281K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 462 | $281K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 462 | $281K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 330 | $1.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 462 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.