| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | PIEDMONT COMMUNITY HEALTHCARE, INC. | $15K | — | $15K | 2.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | PIEDMONT COMMUNITY HEALTHCARE HMO, INC. | $7K | — | $7K | 2.18% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & COMPANY DBA SCOTT I | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.60% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.91% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.03% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.00% |
| ROBERT B PENN3 | 26241 WEST MAIN STREET FLOOR 3 WEST POINT, MS 39773 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $5K | $546 | $5K | 56.43% |
| BRADLEY W GRAMM3 | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $479 | $680 | $1K | 12.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | — | $450 | 12.69% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PIEDMONT COMMUNITY HEALTHCARE, INC. | 108 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $84K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 148 | $84K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 90 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $21K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
No prospect flags tripped on this filing.