| 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 | $4K | — | $4K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $13K | — | $13K | 11.51% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 2.88% |
| LINDA E BARTON3 Filed as: LINDA E. BARTON | 8322 BEN NEVIS DRIVE RICHMOND, VA 23235 | AFLAC | $8K | $888 | $9K | 12.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AFLAC | $3K | — | $3K | 3.94% |
| PHYLLIS DAWN HESLEP3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $2K | $178 | $2K | 2.57% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $1K | — | $1K | 1.56% |
| SALLY BASS PHILLIPS3 | PO BOX 1618 MECHANICSVILLE, VA 23116 | AFLAC | $879 | $144 | $1K | 1.38% |
| SHANE ANDY KINNER3 | 10129 ASHLEY MANOR LAND MECHANICSVILLE, VA 23116 | AFLAC | $981 | — | $981 | 1.32% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $707 | $177 | $884 | 1.19% |
| RICHARD KIDD3 | 5523 WINTERCREEK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $337 | $33 | $370 | 0.50% |
| RUEANN M EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23059 | AFLAC | $196 | — | $196 | 0.26% |
| MICHAEL CLEARY3 Filed as: MICHAEL B. STEINBERG | 469 JOHNSON STREET JENKINTOWN, PA 19046 | AFLAC | $21 | — | $21 | 0.03% |
| MELANIE B MUNSTER3 Filed as: MELANIE B. MUNSTER | 8332 CHARING LANE GLEN ALLEN, VA 23059 | AFLAC | $14 | — | $14 | 0.02% |
| ROY D MUNSTER3 Filed as: ROY D. MUNSTER | P.O. BOX 5634 GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA INC. | 2005 MARKET ST. SUITE 3510 ONE COMMERCE SQUARE PHILADELPHIA, PA 19103 | AFLAC | $7 | — | $7 | 0.01% |
| LANCE PITTMAN LLC3 Filed as: LANCE C. PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $4 | — | $4 | 0.01% |
| FLOYD E JONES III3 Filed as: FLOYD EUGENE JONES | 7403 SOMOA DRIVE HENRICO, VA 23228 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | EYEMED VISION CARE | $3K | — | $3K | 10.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | EXPRESS SCRIPTS INC. | $3K | — | $3K | — |
| 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. | $61K | — | $61K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT INC EIN 81-0400550 NONE | Contract Administrator; Claims processing; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2806 S. GARFIELD ST. STE 101 MISSOULA, MT 59801 | $94K |
| STARPOINT LLC EIN 03-0508057 NONE | Other fees Service code 99 | 2806 S. GARFIELD ST. STE 101 MISSOULA, MT 59801 | $12K |
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 | 435 | 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) | 437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | 436 | $0 |
| Dental | DELTA DENTAL OF VIRGINIA | 655 | $150K |
| Vision | EYEMED VISION CARE | 487 | $29K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 435 | $109K |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 435 | $109K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 435 | $109K |
| Prescription drug | EXPRESS SCRIPTS INC. | 436 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 427 | $344K |
| Other(3 contracts, 3 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 450 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.