| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $42K | $54K | 2.88% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT B | PO BOX 603438 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 15.05% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $2K | $194 | $2K | 21.81% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $623 | $2 | $625 | 6.52% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | — | $218 | $218 | 2.27% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | — | $119 | $119 | 1.24% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $1K | $98 | $1K | 14.29% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $318 | — | $318 | 4.11% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | — | $64 | $64 | 0.83% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | — | $55 | $55 | 0.71% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $90K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $90K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $1.9M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.