| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT ADVISORS LLC | 680 HAWTHORNE AVENUE SOUTHEAST #140 SALEM, OR 97301 | UNIMERICA INSURANCE COMPANY | $4K | — | $4K | 0.99% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF NORTH CAROLINA | $7K | — | $7K | 9.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | PO BOX 10489 LYNCHBURG, VA 24506 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON SALEM, NC 27114 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | KANAWHA INSURANCE COMPANY | $8K | — | $8K | 17.37% |
| ASSOCIATION SERVICES OF RALEIGH3 Filed as: ASSOCIATION SERVICES OF RALEIGH INC | 1053 BULLARD COURT RALEIGH, NC 27615 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 5.58% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | KANAWHA INSURANCE COMPANY | $639 | — | $639 | 2.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | COMMUNITY EYE CARE | $1K | — | $1K | 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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 209 | $80K |
| Vision | COMMUNITY EYE CARE | 195 | $12K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 289 | $51K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 289 | $51K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 289 | $51K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 251 | $374K |
| Other(3 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 289 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.