| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 5.26% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $996 | $7K | 11.68% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | STARMOUNT LIFE INSURANCE COMPANY | $854 | — | $854 | 1.46% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $374 | $4K | 16.42% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 1.47% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $326 | $3K | 16.54% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $280 | — | $280 | 1.49% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $132 | $1K | 17.69% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 306 WEST ERIE ST SUITE #300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $113 | — | $113 | 1.58% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $520K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 104 | $58K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 104 | $58K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 42 | $22K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $41K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.