| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED HEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 5.27% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 7.17% |
| SENTARA HEALTH PLANS, INC.3 | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL OF VIRGINIA | $509 | — | $509 | 1.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $513 | $5K | 16.83% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $470 | $4K | 16.92% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $3K | $399 | $4K | 16.89% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1700 BAYBERRY COURT RICHMOND, VA 23226 | EYEMED VISION CARE | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $478 | $62 | $540 | 16.95% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 138 | $470K |
| Dental | DELTA DENTAL OF VIRGINIA | 131 | $50K |
| Vision | EYEMED VISION CARE | 103 | $10K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 101 | $31K |
| Short-term disability | CIGNA GROUP INSURANCE | 72 | $24K |
| Long-term disability | CIGNA GROUP INSURANCE | 63 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
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.