| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1700 BAYBERRY CT STE 200 RICHMOND, VA 23226 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 3.78% |
| UMR, INC.3 Filed as: UMR INC | 11 SCOTT ST STE 100 WAUSAU, WI 54403 | RELIASTAR LIFE INSURANCE COMPANY | — | $32K | $32K | 3.00% |
| C2 CENTRIC LLC3 | 8804 S WINNIPEG CT AURORA, CO 80016 | RELIASTAR LIFE INSURANCE COMPANY | — | $5K | $5K | 0.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 8.07% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 1.37% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $29K | — | $29K | 10.84% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 2.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 12.46% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.95% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.53% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | $46K | $5K | $51K | 92.86% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 49.96% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.01% |
| SAGS JOINT VENTURE3 Filed as: SAGS JOINT VENTURE LLC | 5264 INTERNATIONAL BLVD NORTH CHARLESTON, SC 29418 | STANDARD INSURANCE COMPANY | — | $568 | $568 | 2.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $710K |
| JAMES A SCOTT & SON INC EIN 54-0372970 BROKER | Other commissions Service code 55 | — | $195K |
| WEX EIN 01-0526993 ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 703 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 664 | $569K |
| Vision | STANDARD INSURANCE COMPANY | 627 | $78K |
| Life insurance | STANDARD INSURANCE COMPANY | 727 | $263K |
| Short-term disability | STANDARD INSURANCE COMPANY | 40 | $23K |
| Long-term disability | STANDARD INSURANCE COMPANY | 219 | $68K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 690 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.