| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT& SON INC. | 4700 FALLS OF NEUSE SUITE 320 RALEIGH, NC 27609 | HCC LIFE INSURANCE COMPANY | $7K | — | $7K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 5.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 16.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $436 | $3K | 15.33% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $820 | — | $820 | 9.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ZURICH AMERICAN INSURANCE COMPANY | $617 | — | $617 | 15.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | EXPRESS SCRIPTS | $550 | — | $550 | — |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | $41K | — | $41K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT INC. EIN 81-0400550 NONE | Claims processing; Contract Administrator; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2806 S. GARFIELD ST. SUITE 101 MISSOULA, MT 59801 | $36K |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | 151 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 368 | $122K |
| Vision | EYEMED VISION (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 138 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $131K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $113K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $113K |
| Prescription drug | EXPRESS SCRIPTS | 151 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 162 | $446K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
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.