| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. DBA | SCOTT INSURANCE 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HCC LIFE INSURANCE COMPANY | $8K | — | $8K | 1.48% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE SOUTHEAST GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.76% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.52% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.72% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 9.94% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $207 | — | $207 | 0.24% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 9.98% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $175 | — | $175 | 0.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $88 | — | $88 | 0.25% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| SCOTT BENEFIT SERVICES3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | ZURICH AMERICAN INSURANCE COMPANY | $468 | — | $468 | 14.99% |
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 | 103 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $110K |
| Vision | COMMUNITY EYE CARE | 212 | $15K |
| Life insurance | STANDARD INSURANCE COMPANY | 268 | $85K |
| Short-term disability | STANDARD INSURANCE COMPANY | 135 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 195 | $71K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 183 | $551K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 268 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.