| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.24% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $95 | — | $95 | 0.11% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE CO. | $6K | $954 | $7K | 13.79% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $450 | $4K | 13.62% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24506 | TOKIO MARINE HCC | — | $622 | $622 | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $236 | $2K | 14.14% |
| 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 | $46K |
| STARPOINT, LLC EIN 03-0507057 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 22 CORTLANDT STREET FOURTEENTH FLOOR NEW YORK, NE 10007 | $8K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 THIRD PARTY ADMINISTRATO | Plan Administrator Service code 14 | 2806 SOUTH GARFIELD ST. MISSOULA, MT 59806 | $937 |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 185 | $87K |
| Vision | STANDARD INSURANCE COMPANY | 185 | $87K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE CO. | 104 | $53K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $39K |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 195 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.