| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $48K | $13K | $61K | 4.25% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | -$4K | — | -$4K | -0.28% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $8K | — | $8K | 8.42% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 10.96% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 6.25% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.26% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 295 | $1.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 245 | $90K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $66K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $66K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $66K |
| Other | HARTFORD LIFE AND ACCIDENT | 176 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.