| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.62% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $868 | $868 | 2.26% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.07% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $665 | $665 | 1.99% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $984 | $984 | 4.92% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $430 | $430 | 2.15% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 10 FRANKLIN ROAD SOUTHEAST SUITE 550 ROANOKE, VA 24011 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $72 | — | $72 | 0.85% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONSINC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 4.08% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 1.89% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.89% |
| RUTH P YOUNG3 | 808 WIGGINTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.84% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONSINC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.48% |
| SAMUEL DAANE3 | 2719 NORTHFIELD ROAD CHARLOTTESVILLE, VA 22901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.38% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.24% |
| CODY MOSS3 | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.20% |
| SHELBY STOUT3 | 230 CIRCLE C FARM DRIVE DILLWYN, VA 23936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| RICHARD KRESINSKE3 Filed as: RICHARD KRESINSKI | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VI 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 106 | $1.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 136 | $62K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $38K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 168 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.