| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF MISSOURI | $6K | $288 | $6K | 10.78% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 11.52% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.81% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF MISSOURI | $965 | $52 | $1K | 9.24% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | — | $432 | 10.60% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590 | — | $590 | 17.40% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $173 | — | $173 | 17.32% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109 | — | $109 | 11.37% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 111 | $982K |
| Dental | DELTA DENTAL OF MISSOURI | 200 | $60K |
| Vision | DELTA DENTAL OF MISSOURI | 187 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 111 | $982K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.