| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | UNIMERICA INSURANCE COMPANY | $45K | — | $45K | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNIMERICA INSURANCE COMPANY | $30K | — | $30K | 2.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 1.72% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $15K | $62K | 13.05% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $13K | $33K | 16.48% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $13K | $41K | 21.51% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $39K | 21.25% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $11K | $1K | $13K | 8.58% |
| SAGS JOINT VENTURE3 | SUITE 200 B 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $4K | — | $4K | 2.55% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $116 | $11K | 9.05% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 3.07% |
| SAGS JOINT VENTURE3 | SUITE B 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $19 | $2K | 1.40% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOVAL CORPORATION | SUITE 360 6620 MOONEY STREET DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $97 | $97 | 0.08% |
| SAGS JOINT VENTURE3 | SUITE 200 B 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $13K | — | $13K | 12.07% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $8K | — | $8K | 7.82% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 6.91% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $2K | $681 | $3K | 2.90% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COMMUNITY EYE CARE | $10K | — | $10K | 10.00% |
| SAGS JOINT VENTURE3 | SUITE 200 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $13K | — | $13K | 14.05% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $9K | — | $9K | 9.87% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $6K | $992 | $7K | 7.41% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $1K | $296 | $1K | 1.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | — | -$8 | -$8 | -0.01% |
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 | 1,429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,081 | $653K |
| Vision | COMMUNITY EYE CARE | 1,339 | $99K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,465 | $392K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 590 | $182K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,458 | $475K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 1,170 | $1.5M |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,465 | $931K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,465 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.