| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. DBA SCOTT | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | HCC LIFE INSURANCE COMPANY | $78K | — | $78K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | AMERITAS LIFE INSURANCE CORP. | $5K | $257 | $5K | 5.25% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.19% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.22% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $815 | $3K | 13.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 88-0361447 PHARMACY BENEFIT MANAGEM | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | 11000 OPTUM CIRCLE EDEN PRAIRIE, MN 55344 | $376K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 8077 WASAU, WA 544028077 | $68K |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 479 | $104K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 479 | $104K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $32K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 271 | $780K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.