| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $48K | — | $48K | 3.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONSINC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 21.48% |
| SUSAN N ADAMS3 | 10015 WEST BROAD STREET GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 18.66% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 142 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 142 | $1.5M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 142 | $1.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $35K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 158 | $99K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $26K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 158 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.