| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225K | $77K | $302K | 6.88% |
| JAMES A SCOTT & SON INC3 | — | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $106K | — | $106K | 3.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $397K | $61K | $458K | 34.18% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $170K | $2K | $173K | 12.88% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 0.86% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57K | $22K | $79K | 6.25% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COMBINED INSURANCE COMPANY OF AMERICA | $72K | — | $72K | 10.84% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144K | $17K | $161K | 40.78% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $62K | $733 | $63K | 15.84% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING- WINSTON-SALEM | 100 N MAIN STREET SUITE 2200 WINSTON-SALEM, NC 27101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $278 | — | $278 | 20.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | — | $130 | 63.73% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55 | — | $55 | 26.96% |
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 | 5,977 | 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) | 5,977 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 6,054 | $3.5M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 10,904 | $668K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,604 | $4.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,243 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,604 | $4.4M |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,604 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,904 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.