| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $18K | — | $18K | 3.84% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $5K | — | $5K | 2.71% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.57% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 12.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITEDHEALTHCARE INSURANCE COMPANY | $586 | — | $586 | 9.29% |
| PEAK PERFORMANCE GROUP LLC4 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 8.29% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 94 | $663K |
| Dental | DELTA DENTAL OF VIRGINIA | 135 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $6K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 144 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15 | $9K |
| Prescription drug(2 contracts) | OPTIMA HEALTH PLAN | 94 | $663K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 144 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.