| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 7.07% |
| SENTARA HEALTH PLANS, INC.3 | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL OF VIRGINIA | $486 | — | $486 | 0.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | — | $4K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | — | $4K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $3K | — | $3K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $480 | — | $480 | 14.99% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | OPTIMA HEALTH INSURANCE COMPANY | 93 | $449K |
| Dental | DELTA DENTAL OF VIRGINIA | 99 | $50K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 131 | $29K |
| Short-term disability | CIGNA GROUP INSURANCE | 100 | $24K |
| Long-term disability | CIGNA GROUP INSURANCE | 82 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.