| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE SOUTHEAST GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 9.16% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 9.97% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 9.91% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 9.90% |
| 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 | $516 | — | $516 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 9245 N. MERIDIAN STREET INDIANAPOLIS, IN 46240 | $61K |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $85K |
| Vision | COMMUNITY EYE CARE | 229 | $15K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 162 | $80K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 114 | $18K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 162 | $53K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 148 | $377K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 162 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.