| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | QBE INSURANCE | $2K | — | $2K | 0.45% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 14.10% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE CO. | $4K | $1K | $6K | 15.15% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $409 | $2K | 14.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $865 | $205 | $1K | 14.85% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $862 | $180 | $1K | 14.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 2806 S GARFIELD STREET PO BOX 3018 MISSOULA, MT 59806 | $28K |
| STARPOINT, LLC EIN 03-0507057 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 22 CORTLANDT STREET FOURTEENTH FLOOR NEW YORK, NE 10007 | $3K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 2806 SOUTH GARFIELD ST. MISSOULA, MT 59806 | $670 |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 98 | $57K |
| Vision | STANDARD INSURANCE COMPANY | 98 | $57K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO. | 128 | $45K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $24K |
| Other(4 contracts, 4 carriers) | QBE INSURANCE | 128 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.