| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.81% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $697 | $697 | 1.50% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $676 | $676 | 1.45% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.91% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $672 | $672 | 1.69% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $597 | $597 | 1.50% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 9.68% |
| WATCHTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $281 | $281 | 1.50% |
| PLANSOURCE BEN ADMINISTRATION INC3 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $210 | $210 | 1.12% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $431 | — | $431 | 4.79% |
| THREEFLOW3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $47 | — | $47 | 0.52% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 7.30% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 3.89% |
| SUSAN N ADAMS3 | 10015 WEST BROAD STREET GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 3.43% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 1.83% |
| SHANDA R PARKER3 | 3419 GARLAND AVENUE RICHMOND, VA 23222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 1.00% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MOUNT TORREY ROAD LYNDHURST, VA 22952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.89% |
| RUTH P YOUNG3 | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.84% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.54% |
| SAMUEL DAANE3 | 2719 NORTHFIELD ROAD CHARLOTTESVILLE, VA 22901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.30% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D HYDE LAWSON | 923 EAST MARKET STREET SUITE B CHARLOTTESVILLE, VA 22902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| CODY MOSS3 | 2203 GLENMORE ROAD SCOTTSVILLE, VA 24590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.13% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| RICHARD KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, VA 22949 | AFLAC | $125 | — | $125 | 5.22% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERIVCES, INC. | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $48 | — | $48 | 2.01% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MOUNT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $44 | — | $44 | 1.84% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $32 | — | $32 | 1.34% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 21 HICKORY NUT LANE STAUNTON, VA 24401 | AFLAC | $20 | — | $20 | 0.84% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $16 | — | $16 | 0.67% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $8 | — | $8 | 0.33% |
| SABRINA ANN PARSONS3 | 1925 CUBA LANE HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.04% |
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 | 201 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 155 | $90K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 193 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $59K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $46K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 446 | $731K |
| Other(5 contracts, 4 carriers) | HEALTHKEEPERS, INC. | 446 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.