| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 28.89% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | LITTLE NECK RD STE108 VIRGINA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $3K | $713 | $4K | 13.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | $0 | $169 | 1.34% |
| BRENMARIE MENDOZA3 | 385 RED OAK DR HOPEWELL, VA 23860 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 1.18% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEROOK DR STE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | $0 | $70 | 0.56% |
| REBECCA F SMITH3 Filed as: REBECCA SMITH | 5040 SADLER PL GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.52% |
| SUSAN N ADAMS3 | 10015 W BROAD ST GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.44% |
| JANELL FRANK3 | 2005 WAVE DR STAFFORD, VA 22554 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.14% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 200 VIRGINA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.14% |
| LUIZ E SERVICE3 | 2349 SALEROSO DR ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.13% |
| SHANDA R PARKER3 | 3419 GARLAND AVE RICHMOND, VA 23222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $3 | $15 | 0.12% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFITS CONSULTING GROUP, LL | 6802 PARAGON PLACE STE 440 RICHMOND, VA 23230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $3 | $13 | 0.10% |
| JEFFERY S GIBSON3 | 603 JEFFERSON DAVIS HWY FREDERICKBURG, VA 22405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $3 | $12 | 0.10% |
| LUIZ E SERVICE3 Filed as: LUIZ E SERVICES | 2349 SALEROSO DR ROWLAND HEIGHTS, CA 91748 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 120 | $73K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 120 | $73K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 181 | $31K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 181 | $31K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 181 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.