| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $89K | — | $89K | 4.13% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 13.36% |
| FROEHLING & ROBERTSON, INC.3 | 3015 DUMBARTON ROAD ATTN TERESA CAREY RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.40% |
| INSPYR SOLUTIONS LLC3 | 3015 DUMBARTON ROAD ATTN INV# 1067097 RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $483 | $483 | 0.66% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.37% |
| FROEHLING & ROBERTSON, INC.3 | 3015 DUMBARTON ROAD ATTN TERESA CAREY RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.47% |
| INSPYR SOLUTIONS LLC3 | 3015 DUMBARTON ROAD ATTN INV# 1067097 RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $260 | $260 | 0.61% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 13.38% |
| FROEHLING & ROBERTSON, INC.3 | 3015 DUMBARTON ROAD ATTN TERESA CAREY RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $978 | $978 | 2.47% |
| INSPYR SOLUTIONS LLC3 | 3015 DUMBARTON ROAD ATTN INV# 1067097 RICHMOND, VA 23228 | STANDARD INSURANCE COMPANY | — | $260 | $260 | 0.66% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | — |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 275 | $2.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 212 | $2.1M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 212 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 320 | $73K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 299 | $40K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 320 | $43K |
| Other(3 contracts, 3 carriers) | HEALTHKEEPERS, INC. | 320 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.