| 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 | QBE INSURANCE | — | $2K | $2K | 0.37% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $4K | $519 | $4K | 11.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $546 | $546 | 1.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | $497 | $4K | 11.30% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $523 | $523 | 1.48% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | $444 | $4K | 11.31% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $484 | $484 | 1.49% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $630 | — | $630 | 4.36% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $270 | — | $270 | 1.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $2K | — | $2K | 15.08% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 3.53% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 1.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS EIN 54-0357120 CLAIMS PROCESSING | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $71K |
| HEALTHKEEPERS, INC. EIN 54-1356687 CLAIMS PROCESSING | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | 1351 WILLIAM HOWARD TAFT ROAD CINCINNATI, OH 45206 | $21K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $10K |
| EASTON, CORY CONFIDIO, LLC INS AGENTS AND BROKERS | Other commissions; Non-monetary compensation; Insurance agents and brokers Service code 22 | 502 WASHINGTON AVE TOWSON, MD 21204 | $0 |
| JAMES A SCOTT & SON INC INS AGENTS AND BROKERS | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 813 NORTHSHORE DR STE 101 KNOXVILLE, TN 37919 | $0 |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QBE INSURANCE | 1,561 | $493K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 295 | $14K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 180 | $43K |
| Short-term disability | STANDARD INSURANCE COMPANY | 63 | $32K |
| Long-term disability | STANDARD INSURANCE COMPANY | 180 | $37K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,561 | $493K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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."
No prospect flags tripped on this filing.