| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $641 | $641 | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP, INC. | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $641 | $641 | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $737 | — | $737 | 9.99% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $369 | $369 | 5.00% |
| SOUTHEAST INS GRP5 Filed as: SOUTHEAST INS GROUP INC | 2340 HARD SCRABBLE RD COLUMBIA, SC 29223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $221 | $221 | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $556 | — | $556 | 10.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $278 | $278 | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $347 | — | $347 | 8.22% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $212 | — | $212 | 5.02% |
| SOUTHEAST INS GRP3 Filed as: SOUTHEAST INS GROUP INC | 2340 HARD SCRABBLE RD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $53 | — | $53 | 1.26% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $254 | — | $254 | 10.01% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $127 | $127 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 57-0287419 CLAIMS PROCESSING | Claims processing Service code 12 | — | $29K |
| JAMES A SCOTT & SON INC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | $7K |
| FLORES EIN 56-1542307 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $364 |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 56 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 627 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 534 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 534 | $0 |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $10K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 282 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $6K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 473 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.