| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $58K | — | $58K | 2.54% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $2K | $34K | 16.94% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILLS ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.99% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $167 | — | $167 | 0.08% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 9.93% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $208 | $21 | $229 | 16.47% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 135 | $2.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 208 | $137K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $202K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $202K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $202K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.