| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AETNA HEALTH, INC. | — | — | $0 | 0.00% |
| WATCHTOWER TECHNOLOGIES INC Filed as: WATCHTOWER TECNOLOGIES, INC. | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | DELTA DENTAL OF VIRGINIA | — | — | $0 | 0.00% |
| JAMES A SCOTT & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | — | — | $0 | 0.00% |
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 | 562 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 809 | $228K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 636 | $51K |
| Life insurance | NEW YORK LIFE BENEFITS SOLUTION GROUP | 0 | $297K |
| Short-term disability | NEW YORK LIFE BENEFITS SOLUTION GROUP | 0 | $297K |
| Long-term disability | NEW YORK LIFE BENEFITS SOLUTION GROUP | 0 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.