| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INS. CO. | $4K | $2K | $6K | 13.68% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INS. CO. | $2K | $897 | $3K | 13.75% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INS. CO. | $2K | $795 | $3K | 13.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 1087 WAUSAU, WI 544021087 | $116K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INS. CO. | 254 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INS. CO. | 254 | $45K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 207 | $213K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. | 254 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.