| 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 | HEALTHKEEPERS, INC. (G1608) | $37K | — | $37K | 3.91% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AFLAC | $16K | — | $16K | 12.62% |
| SUSAN N ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $7K | $1K | $8K | 6.29% |
| BRENMARIE MENDOZA3 | 4612 FINNEY CT CHESTER, VA 23831 | AFLAC | $4K | $1K | $5K | 4.16% |
| GENIA ANNE TENCH3 Filed as: GENIA A TENCH | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $1K | $679 | $2K | 1.66% |
| JODI ANN VAUGHN3 Filed as: JODI K RENTZ | 6207 ANNA PARK DRIVE APT-203 MIDLOTHIAN, VA 23112 | AFLAC | $943 | $913 | $2K | 1.44% |
| ALEXIS RIVERA3 | 13306 ROSSINGTON PL CHESTER, VA 23831 | AFLAC | $1K | $30 | $1K | 1.01% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $359 | $239 | $598 | 0.46% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PL MIDLOTHIAN, VA 23114 | AFLAC | $280 | $290 | $570 | 0.44% |
| STEPHANIE MONDRAGON3 | 7454 SOUTHWIND DR APT 305 CHESTERFIELD, VA 23832 | AFLAC | $221 | $226 | $447 | 0.35% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $258 | $183 | $441 | 0.34% |
| AMANDA BURGOS3 | 14 N ELM AVE HIGHLAND SPRINGS, VA 23075 | AFLAC | $249 | $96 | $345 | 0.27% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE VANHOUTEN | 1001 HOWERTON RD DUNNSVILLE, VA 22454 | AFLAC | $98 | — | $98 | 0.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VA | $1K | — | $1K | 5.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1700 BAYBERRY CT SUITE 2000 RICHMOND, VA 23226 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. (G1608) | 156 | $955K |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VA | 119 | $45K |
| Other | AFLAC | 173 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.