| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC., DBA SCOTT | — | PIEDMONT COMMUNITY HEALTHCARE, INC. | $24K | — | $24K | 3.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC., DBA SCOTT | — | PIEDMONT COMMUNITY HEALTHCARE HMO, INC. | $11K | — | $11K | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | — | $6K | 6.15% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.94% |
| BRADLEY W GRAMM3 | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $1K | $2K | $3K | 15.65% |
| ROBERT B PENN3 | 1101 MCMURTRIE DRIVE NORTHWEST SUITE B HUNTSVILLE, AL 35806 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $2K | $76 | $2K | 8.37% |
| RICHARD A SCHEGA3 | 3838 NORTH CAUSEWAY BOULEVARD SUITE 3400 METAIRIE, LA 70002 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | — | $249 | $249 | 1.17% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.56% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $488 | — | $488 | 12.76% |
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 | 203 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PIEDMONT COMMUNITY HEALTHCARE, INC. | 114 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 165 | $94K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 165 | $94K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $20K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $21K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.