| 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 | $17K | — | $17K | 3.65% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $6K | — | $6K | 2.52% |
| 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 | — | $552 | $552 | 0.82% |
| 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 | 6.32% |
| 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 | $3K | $166 | $3K | 15.91% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 628 GREEN VALLEY RD SUITE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $2K | $783 | $3K | 17.76% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITEDHEALTHCARE INSURANCE COMPANY | $568 | $110 | $678 | 14.74% |
| PEAK PERFORMANCE GROUP LLC4 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $33 | — | $33 | 8.46% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 99 | $701K |
| Dental | DELTA DENTAL OF VIRGINIA | 150 | $53K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $5K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 157 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25 | $18K |
| Prescription drug(2 contracts) | OPTIMA HEALTH PLAN | 99 | $701K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 157 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.