| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $115K | $115K | 3.57% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $27K | — | $27K | 14.70% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 5.70% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 3.55% |
| SCOTT BENEFIT SERVICES3 | PO BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF NEW YORK | $3K | — | $3K | 2.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | VISION SERVICES PLAN | $3K | — | $3K | 10.69% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | VISION SERVICES PLAN | $17 | — | $17 | 0.06% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO. | 145 | $3.2M |
| Dental | DELTA DENTAL OF NEW YORK | 142 | $158K |
| Vision | VISION SERVICES PLAN | 133 | $30K |
| Life insurance | NEW YORK LIFE INSURANCE CO | 0 | $180K |
| Short-term disability | NEW YORK LIFE INSURANCE CO | 0 | $180K |
| Long-term disability | NEW YORK LIFE INSURANCE CO | 0 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
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.