| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 60438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $12K | — | $12K | 2.45% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $3K | — | $3K | 2.67% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.38% |
| JMAES A. SCOTT & SON INC.3 | 1700 BAYBERRY CT SUITE 200 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $480 | $480 | 1.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1700 BAYBERRY CT SUITE 200 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $326 | $3K | 17.23% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1700 BAYBERRY CT SUITE 200 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $184 | $1K | 17.63% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1700 BAYBERRY CT SUITE 200 RICHMOND, VA 23226 | EYEMED VISION CARE | $326 | — | $326 | 8.89% |
| PEAK PERFORMANCE GROUP LLC4 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $26 | — | $26 | 10.08% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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)(3 contracts) | OPTIMA HEALTH PLAN | 106 | $641K |
| Dental | DELTA DENTAL OF VIRGINIA | 131 | $43K |
| Vision(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 106 | $627K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $15K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 23 | $7K |
| Prescription drug(3 contracts) | OPTIMA HEALTH PLAN | 106 | $641K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
No prospect flags tripped on this filing.