| 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 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 18.38% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 17.13% |
| AIG BENEFIT SOLUTIONS3 | 3600 ROUTE 66 NEPTUNE, NJ 07754 | AIG | $0 | — | $0 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON DBA SCOTT BENEF | 628 GREEN VALLEY ROAD, SUITE 306 GREENSBORO, NC 27407 | EYEMED VISION | $1K | — | $1K | 10.81% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 373 | $75K |
| Vision | EYEMED VISION | 213 | $14K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 148 | $102K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 148 | $102K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 148 | $102K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 165 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.