| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 300 CORPORATE PARKWAY AMHERST, NY 14226 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| JAMES A SCOTT & SON INC3 | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | HCC LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 9.83% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $128 | $10K | 10.15% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC | PO BOX 10489 LYNCHBURG, VA 24506 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
| SCOTT BENEFIT SERVICES DBA JAMES A3 | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | ZURICH AMERICAN INSURANCE COMPANY | $610 | — | $610 | 15.01% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $94K |
| Vision | COMMUNITY EYE CARE | 246 | $16K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $143K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $143K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $143K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 114 | $299K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 232 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.