| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $71K | $71K | 3.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $0 | $40K | 12.86% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 282603438 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.96% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIM ADMINISTRATION | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $6K |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $2.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 389 | $0 |
| Vision | VISION SERVICE PLAN | 157 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $313K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $313K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $313K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.