| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PARKWAY SOUTHEAST SUITE 6955 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | $12K | $51K | 4.75% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA ONEDIGITA | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 1.35% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 8.59% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC., DBA SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. DBA SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $697 | — | $697 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. DBA SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $956 | $956 | 5.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. DBA SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $967 | — | $967 | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $484 | $484 | 5.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $145 | — | $145 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. DBA SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $326 | $326 | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVENUE #3 CHICAGO, IL 60614 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $98 | — | $98 | 1.50% |
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 | 704 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCESTANDARD LIFE INSURANCE COMPANY | 507 | $271K |
| Vision | RELIANCESTANDARD LIFE INSURANCE COMPANY | 507 | $271K |
| Life insurance(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 588 | $56K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 575 | $119K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 518 | $1.1M |
| Other(4 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 588 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.