| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $23K | $3K | $26K | 18.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | GUARDIAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 21.27% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | GUARDIAN LIFE INSURANCE COMPANY | $17K | $7K | $24K | 16.84% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORP | $7K | $6K | $13K | 9.24% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 3900 WESTERRE PKWY STE 200 RICHMOND, VA 23233 | EYEMED VISION CARE | $3K | $0 | $3K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $39K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
| ANTHEM LIFE INSURANCE COMPANY EIN 35-0980405 ADMIN | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $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 | 690 | 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) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 662 | $138K |
| Vision | EYEMED VISION CARE | 381 | $26K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 690 | $145K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 690 | $145K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH UNIMERICA INSURANCE COMPANY | 200 | $465K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 200 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.