| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 628 GREEN VALLEY ROAD GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 9.18% |
| JAMES A SCOTT & SON INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 WEST MONRE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $367 | $367 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | — | $123 | 0.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 WEST MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $318 | $318 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 0.49% |
| JAMES A SCOTT & SON INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 WEST MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $202 | $202 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $65 | — | $65 | 0.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC - CHARLOTT | PO BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.19% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $332 | — | $332 | 2.79% |
| THREEFLOW3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $109 | — | $109 | 0.92% |
| THREEFLOW3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 0.11% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 11.06% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $647 | — | $647 | 10.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | 1-800MD, LLC | $2K | — | $2K | 44.37% |
| JAMES A SCOTT & SON INC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | — | $465 | 15.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS | 227 WEST MONROE STREET CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $46 | $46 | 1.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16 | — | $16 | 0.52% |
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 | 171 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 279 | $110K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 264 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $13K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.