| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | BLUECHOICE HEALTHPLAN | $130K | — | $130K | 4.00% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET CHARLOTTE, NC 28202 | DELTA DENTAL OF MISSOURI | $7K | — | $7K | 4.21% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC - CHARLOTT | P.O. BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 11.14% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $273 | — | $273 | 0.83% |
| THREEFLOW3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $198 | — | $198 | 0.61% |
| THREEFLOW3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $38 | — | $38 | 0.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SYMETRA LIFE INSURANCE COMPANY | $5K | $368 | $6K | 19.95% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 281 | $3.3M |
| Dental | DELTA DENTAL OF MISSOURI | 566 | $176K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 494 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $90K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 382 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 382 | $46K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.