| 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 | $18K | — | $18K | 2.00% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | HCC LIFE INSURANCE COMPANY | $9K | — | $9K | 1.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 9.81% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 11.45% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.89% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 01202 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 11.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC | PO BOX 603438 CHARLOTTE, NC 28260 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
| JAMES M. MORGAN III3 Filed as: JAMES A SCOTT AND SCOTT, INC. | 1301 GRAVES MILL ROAD LYNCHBURG, VA 24502 | ZURICH AMERICAN INSURANCE COMPANY | $459 | — | $459 | 15.00% |
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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $100K |
| Vision | COMMUNITY EYE CARE | 269 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 200 | $74K |
| Short-term disability | STANDARD INSURANCE COMPANY | 138 | $50K |
| Long-term disability | STANDARD INSURANCE COMPANY | 200 | $83K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 191 | $918K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 200 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.