| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $176 | $6K | 15.49% |
| PLOCH CRAIG H3 | 1470 NORWICH RD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.14% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.51% |
| COUSINS MICHAEL L3 | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 4.69% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $777 | — | $777 | 3.52% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $126 | $3K | 15.58% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1614 STONEY CRREK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $83 | $3K | 15.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | $10 | $318 | 15.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 CONTRACT ADMINISTRATOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | — | $98K |
| JAMES A SCOTT & SON, INC. BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 813 NORTHSHORE DRIVE SUITE 101 KNOXVILLE, TN 37919 | $20K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 180 | $9K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 180 | $9K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 180 | $9K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 31 | $44K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $17K |
| Other(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 180 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.