| 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 | $15K | — | $15K | 3.94% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN | $8K | — | $8K | 2.43% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.80% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 7.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITEDHEALTHCARE INSURANCE COMPANY | $961 | — | $961 | 10.54% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH PLAN (POS) | $101 | — | $101 | 1.19% |
| MILLENGROUP LLC4 | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $28 | — | $28 | 11.20% |
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 | 204 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 83 | $726K |
| Dental | DELTA DENTAL OF VIRGINIA | 146 | $57K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $9K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $62K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $62K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $62K |
| Prescription drug(3 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 83 | $726K |
| Other(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 204 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.