| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $42K | — | $42K | 3.24% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 6.29% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | $831 | — | $831 | 1.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 9.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $537 | $537 | 0.92% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $404 | — | $404 | 0.69% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $303 | — | $303 | 0.52% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.65% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $392 | — | $392 | 1.10% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $326 | $326 | 0.92% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $294 | — | $294 | 0.83% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $265 | $265 | 0.92% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $199 | — | $199 | 0.69% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $150 | — | $150 | 0.52% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 19.25% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $534 | $225 | $759 | 3.17% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.96% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $145 | $145 | 1.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $1K | — | $1K | 10.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $66 | — | $66 | 0.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $190 | $81 | $271 | 3.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $63 | — | $63 | 0.72% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $26 | — | $26 | 0.30% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 20.02% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $180 | $73 | $253 | 3.32% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $60 | — | $60 | 0.79% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $30 | — | $30 | 0.39% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $166 | $71 | $237 | 3.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $55 | — | $55 | 0.73% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | $22 | — | $22 | 0.29% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $731 | — | $731 | 14.67% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $46 | $46 | 0.92% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $209 | — | $209 | 14.97% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $14 | $14 | 1.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $18 | — | $18 | 1.85% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $200 | — | $200 | 32.41% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $12 | $12 | 1.94% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 113 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 122 | $83K |
| Vision | VISION SERVICE PLAN | 123 | $13K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 140 | $50K |
| Short-term disability | STANDARD INSURANCE COMPANY | 140 | $59K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $29K |
| Other(9 contracts) | STANDARD INSURANCE COMPANY | 140 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.