| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 15.00% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $802 | — | $802 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA, IN EIN 54-0357120 | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other fees; Claims processing Service code 12 | 3350 PEACHTREE ROAD ATLANTA, GA 30326 | $141K |
| JAMES A SCOTT & SON INC. EIN 54-0357120 | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | P.O. BOX 10489 LYNCHBURG, VA 24506 | $26K |
| MEDCOST BENEFIT SERVICES EIN 56-2056821 | Contract Administrator Service code 13 | 165 KIMEL PARK DRIVE WINSTON-SALEM, NC 27103 | $5K |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 165 | $3K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 162 | $70K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 165 | $3K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $29K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.