| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.83% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 1.38% |
| SCOTT INSURANCE3 | UNKNOWN GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.14% |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 312 | $79K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 852 | $285K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 299 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $322K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $322K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $322K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 487 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.