| 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. | $32K | — | $32K | 3.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC., DBA SCOTT | — | PIEDMONT COMMUNITY HEALTHCARE HMO, INC. | $16K | — | $16K | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $7K | $1K | $9K | 7.92% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.73% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.65% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.00% |
| KEVIN DAVID CHOATE3 | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $2K | $121 | $2K | 11.45% |
| BRADLEY W GRAMM3 | 100 EASTSHORE DRIVE SUITE 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $963 | — | $963 | 5.72% |
| ROBERT B PENN3 | 1101 MCMURTRIE DRIVE NORTHWEST SUITE B3 HUNTSVILLE, AL 35806 | MASSACHUSETTS MUTUAL LIFE INSUARANCE COMPANY | $237 | — | $237 | 1.41% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $599 | — | $599 | 12.02% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PIEDMONT COMMUNITY HEALTHCARE, INC. | 129 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 181 | $110K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 181 | $110K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $85K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $30K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.