| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 603438 CHARLOTTE, NC 28260 | OPTIMA HEALTH INSURANCE COMPANY | $24K | — | $24K | 5.66% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 CHARLOTTE, NC 28260 | OPTIMA HEALTH INSURANCE COMPANY | $5K | — | $5K | 3.34% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 6.95% |
| SENTARA HEALTH PLANS, INC.3 | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL OF VIRGINIA | $566 | — | $566 | 0.99% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $499 | $5K | 16.68% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $461 | $5K | 16.70% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $3K | $404 | $4K | 16.75% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1700 BAYBERRY COURT RICHMOND, VA 23226 | EYEMED VISION CARE | $834 | — | $834 | 9.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $528 | $62 | $590 | 16.75% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | OPTIMA HEALTH INSURANCE COMPANY | 77 | $656K |
| Dental | DELTA DENTAL OF VIRGINIA | 108 | $57K |
| Vision | EYEMED VISION CARE | 115 | $9K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 137 | $33K |
| Short-term disability | CIGNA GROUP INSURANCE | 95 | $27K |
| Long-term disability | CIGNA GROUP INSURANCE | 79 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.