| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2839 PACES FERRY ROAD SOUTHEAST SUITE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 3.28% |
| UMR, INC.3 | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.46% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 10.11% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 5.33% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 14.05% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 5.95% |
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES INC DBA W | PO BOX 2287 SKYLAND, NC 28776 | SUN LIFE ASSURANCE COMPANY OF CANADA | $322 | — | $322 | 11.85% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $231 | — | $231 | 8.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $54 | $54 | 1.99% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 203 | $99K |
| Vision | UNION SECURITY INSURANCE COMPANY | 203 | $99K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 84 | $18K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $542K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 84 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.