| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HEALTHKEEPERS, INC | $19K | — | $19K | 1.49% |
| FNBC INC3 | 1311 PATTERSON AVENUE RICHMOND, VA 23226 | HEALTHKEEPERS, INC | $5K | — | $5K | 0.41% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $14K | $7K | $21K | 25.73% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 2.53% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC DBA HAMILTON INS | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | DELTA DENTAL OF VIRGINIA | $299 | — | $299 | 0.49% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 34.73% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 23.15% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 18.18% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 6.03% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 6.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 7.77% |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC | 130 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 127 | $61K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $15K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 144 | $80K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 144 | $80K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 144 | $80K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 144 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.