| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $109K | — | $109K | 14.01% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $19K | $19K | 2.45% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 2.34% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $16K | — | $16K | 5.39% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 1.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.21% |
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 | 1,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 1,033 | $300K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 703 | $46K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,118 | $777K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,118 | $777K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,118 | $777K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 742 | $1.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,566 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,566 | — |
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.