| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.35% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $479 | — | $479 | 0.03% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $118 | $21K | 10.06% |
| WATCHTOWNER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $118 | $18K | 10.07% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $118 | $13K | 10.09% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $118 | $10K | 10.12% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET 3RD FLOOR CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | PO BOX 03438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.47% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $1K | $6K | 25.03% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $1K | $5K | 25.24% |
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 | 656 | 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) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 858 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 858 | $1.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 654 | $227K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 654 | $210K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 655 | $176K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 858 | $1.4M |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 654 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.