| 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 | $190K | $73K | $263K | 7.18% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $99K | $50K | $149K | 4.73% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $362K | $59K | $421K | 26.17% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155K | $14K | $169K | 10.51% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.46% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $19K | $62K | 6.50% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $182K | $20K | $202K | 23.57% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $78K | $5K | $83K | 9.64% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 0.79% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | COMBINED INSURANCE COMPANY OF AMERICA | $60K | — | $60K | 10.96% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.93% |
| 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 | 7.07% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.75% |
| 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 | $1K | — | $1K | 5.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.31% |
| 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 | $1K | — | $1K | 6.69% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 11.59% |
| 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 | $177 | — | $177 | 9.24% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40 | — | $40 | 3.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 1.51% |
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 | 5,503 | 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) | 5,503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 5,954 | $3.1M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 11,065 | $548K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,317 | $3.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,264 | $955K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,317 | $3.7M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 5,423 | $1.7M |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 6,970 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,065 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.