| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SONS | — | AIG | $2K | $0 | $2K | 0.45% |
| JAMES A SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $61 | $5K | 9.21% |
| JAMES A SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $293 | $4K | 15.77% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SONS | 1700 BAYBERRY COURT RICHMOND, VA 23226 | EYE MED | $2K | $0 | $2K | 9.97% |
| JAMES A SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $198 | $3K | 18.71% |
| JAMES A SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $322 | $0 | $322 | 3.21% |
| C2 CENTRIC LLC | PO BOX 6824 GRAND RAPIDS, MI 49516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3 | $3 | 0.03% |
| JAMES A SCOTT & SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | $3 | $64 | 3.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 | Float revenue; Claims processing; Other fees; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $105K |
| EXPRESS SCRIPTS, INC EIN 31-1714795 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
| JAMES A SCOTT & SON INC EIN 54-0372970 | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | PO BOX 10489 LYNCHBURG, VA 24506 | $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 | 402 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 0 | $3K |
| Vision | EYE MED | 402 | $20K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $112K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 265 | $86K |
| Stop-loss / reinsurancereinsurance | AIG | 182 | $388K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.