| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $8K | $6K | $13K | 17.09% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTENTION MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $5K | $37K | 54.11% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 21.76% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $3K | $24K | 70.97% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $758 | $10K | 29.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1700 BAYBERRY COURT RICHMOND, VA 23226 | EYEMED VISION CARE | $3K | — | $3K | 9.80% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 8.81% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 23.24% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $8K | — | $8K | 32.10% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 22.90% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 23.53% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 28220 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 21.08% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 39.16% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | — | $6K | 42.76% |
| VA AUTOMOBILE DLRS SVCS3 | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 25.47% |
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS SERVICES | C/O DON HALL RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 21.20% |
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 | 656 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 479 | $44K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 524 | $112K |
| Short-term disability(9 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 35 | $187K |
| Long-term disability(10 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 35 | $197K |
| Other(12 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 524 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.