| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 628 GREEN VALLEY RD GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $12K | — | $12K | 3.97% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 18.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 13.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $3K | $18K | 18.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | P.O. BOX 603438 CHARLOTTE, NC 28260 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 11.64% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 31.14% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DR DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 7.64% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $413 | $413 | 1.56% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $363 | $363 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | -$55 | -$16 | -$71 | -0.27% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $457 | $2K | 13.56% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BRIAN BICKLEY INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | PO BOX 10489 PO BOX 10489 LYNCHBURG, VA 24506 | $147K |
| BLUE CROSS BLUE SHIELD EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | — | $97K |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 590 | $291K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 425 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $109K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 586 | $740K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 590 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.