| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $84K | $17K | $101K | 11.43% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 11.98% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 11.58% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM INSURANCE COMPANY | $69K | $6K | $75K | 38.25% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM INSURANCE COMPANY | $46K | $4K | $50K | 25.52% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM INSURANCE COMPANY | $10K | $2K | $12K | 7.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, NC 24502 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 4.80% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 90 KREIGER LANE GLASTONBURY, CT 06033 | UNUM INSURANCE COMPANY | $50K | $5K | $55K | 35.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM INSURANCE COMPANY | $33K | $3K | $36K | 23.37% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE | $11K | — | $11K | 9.64% |
| THREEFLOW3 | 306 W. ERIE ST. SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE | $1K | — | $1K | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | 5415 AIRPORT ROAD ROANOKE, VA 24012 | $0 |
| JAMES A. SCOTT & SON INC. EIN 54-0357120 INSURANCE BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 813 NORTHSHORE DR STE 101 KNOXVILLE, TN 37919 | $0 |
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 | 2,202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 2,392 | $144K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,202 | $879K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 358 | $197K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,202 | $879K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 2,392 | $629K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,202 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.