| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $51K | — | $51K | 2.39% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 11.71% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 5.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CGUCAGI, UT 60654 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 1.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $680 | — | $680 | 5.69% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS | 303 EAST BURWELL STREET SALEM, VA 24153 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $333 | — | $333 | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 755 WEST BIG BEAVER ROAD SUITE 2300 TROY, MI 48084 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | — | $21 | 0.18% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 585 | $2.1M |
| Dental | DELTA DENTAL OF VIRGINIA | 566 | $139K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 585 | $2.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 581 | $161K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $161K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $161K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 581 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.