| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON WEBB3 | 6700 TOWER CIR STE 200 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $77K | — | $77K | 5.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 9.69% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $245 | $3K | 16.48% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $249 | $249 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $285 | $3K | 21.82% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $235 | $235 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $228 | $3K | 21.76% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $195 | $195 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $326 | $3K | 22.52% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $194 | $194 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $221 | $3K | 21.84% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $180 | $180 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $663 | $117 | $780 | 11.77% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $99 | $99 | 1.49% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 256 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 256 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 256 | $1.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $17K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.