| 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. | $47K | — | $47K | 2.75% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY STE 200 RICHMOND, VA 23233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | — | $25K | 13.68% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 8.14% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 3900 WESTERRE PKWY STE 200 RICHMOND, VA 23233 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $930 | — | $930 | 4.70% |
| BANKERS INSURANCE LLC3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $57 | — | $57 | 0.29% |
| DAVID LAWSON EVANS3 | PO BOX 860574 SHAWNEE, KS 66286 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.25% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 739 | $1.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 739 | $1.7M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 739 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,092 | $187K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,092 | $184K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,092 | $184K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,092 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.