| 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 | — | $22K | $22K | 4.47% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.00% |
| SENTARA HEALTH PLANS, INC.3 | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL OF VIRGINIA | — | — | $0 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $6K | $323 | $6K | 15.88% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $245 | $4K | 15.90% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | CIGNA GROUP INSURANCE | $4K | $232 | $4K | 15.90% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 3900 WESTERRE PKWY, STE 200 RICHMOND, VA 23233 | EYEMED VISION CARE | $875 | — | $875 | 10.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA GROUP INSURANCE | $504 | $30 | $534 | 15.90% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 90 | $486K |
| Dental | DELTA DENTAL OF VIRGINIA | 123 | $44K |
| Vision | EYEMED VISION CARE | 97 | $9K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 120 | $40K |
| Short-term disability | CIGNA GROUP INSURANCE | 75 | $26K |
| Long-term disability | CIGNA GROUP INSURANCE | 64 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.