| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | HEALTHKEEPERS, INC. (G1608) | $28K | — | $28K | 2.68% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AFLAC | $27K | — | $27K | 26.68% |
| SUSAN N ADAMS3 | 10015 W BROAD ST GLEN ALLEN, VA 23060 | AFLAC | $10K | $128 | $10K | 9.95% |
| BRENMARIE MENDOZA3 | 500 OWENS WAY APT 212 PRINCE GEORGE, VA 23875 | AFLAC | $4K | $388 | $5K | 4.86% |
| JODI ANN VAUGHN3 Filed as: JODI K RENTZ | 6207 ANNA PARK DRIVE APT-203 MIDLOTHIAN, VA 23112 | AFLAC | $4K | $463 | $5K | 4.81% |
| GENIA ANNE TENCH3 Filed as: GENIA A TENCH | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $2K | $6 | $2K | 2.33% |
| STEPHANIE MONDRAGON3 | 7454 SOUTHWIND DR APT 204 CHESTERFIELD, VA 23832 | AFLAC | $1K | $201 | $2K | 1.61% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $2K | — | $2K | 1.57% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PL MIDLOTHIAN, VA 23114 | AFLAC | $1K | — | $1K | 1.48% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $1K | $4 | $1K | 1.17% |
| AMANDA BURGOS3 | 14 N ELM AVE HIGHLAND SPRINGS, VA 23075 | AFLAC | $78 | $35 | $113 | 0.11% |
| 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% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VA | 45 | $26K |
| Other | AFLAC | 203 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.