| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KATHY SUE ENOCHS3 | 12770 MERIT DRIVE SUITE 200 DALLAS, TX 75251 | HCC LIFE INSURANCE COMPANY | $544 | — | $544 | 0.55% |
| IMAGINE 360 ADMINISTRATORS, LLC3 | PO BOX 749075 DALLAS, TX 75374 | HCC LIFE INSURANCE COMPANY | — | $157 | $157 | 0.16% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $333 | $333 | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $154 | $154 | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $152 | $152 | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $133 | $133 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $416 | — | $416 | 10.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $21 | — | $21 | 0.51% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $44 | $44 | 1.51% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $22K |
| Vision | VISION SERVICE PLAN | 88 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $13K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 46 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 96 | $100K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 156 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.