| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY RD SUITE 306 GREENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $40K | — | $40K | 4.95% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AFLAC | $10K | — | $10K | 9.26% |
| SUSAN N ADAMS3 | 2807 N PARHAM RD STE 380 HENRICO, VA 23294 | AFLAC | $4K | $614 | $5K | 4.46% |
| BRENMARIE MENDOZA3 | 4612 FINNEY CT CHESTER, VA 23831 | AFLAC | $3K | $557 | $3K | 2.80% |
| JODI ANN VAUGHN3 Filed as: JODI KOZENKO RENTZ | 6207 ANNA PARK DR APT 203 MIDLOTHIAN, VA 23112 | AFLAC | $595 | — | $595 | 0.53% |
| ALEXIS RIVERA3 | 13306 ROSSINGTON PL CHESTER, VA 23831 | AFLAC | $247 | $333 | $580 | 0.51% |
| GENIA ANNE TENCH3 | 542 KING WILLIAM RD HANOVER, VA 23069 | AFLAC | $517 | $4 | $521 | 0.46% |
| JOSHUA C BURTON3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $422 | — | $422 | 0.37% |
| SHANDA PARKER3 | 3419 GARLAND AVE RICHMOND, VA 23222 | AFLAC | $394 | — | $394 | 0.35% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $144 | $242 | $386 | 0.34% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE VANHOUTEN | 1001 HOWERTON RD DUNNSVILLE, VA 22454 | AFLAC | $186 | — | $186 | 0.16% |
| ROBERT A ROBERTSON3 | 12791 BUTLERS RD AMELIA COURT HOUSE, VA 23002 | AFLAC | $164 | — | $164 | 0.15% |
| FELICIA BAKER3 | 2819 N PARHAM RD STE 240 RICHMOND, VA 23294 | AFLAC | $146 | — | $146 | 0.13% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PL MIDLOTHIAN, VA 23114 | AFLAC | $127 | — | $127 | 0.11% |
| FELICIA BAKER3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $38 | — | $38 | 0.03% |
| ANTHONY N MOSS3 | 429 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $26 | — | $26 | 0.02% |
| JANICE ALLEN TURNER3 | 428 MAPLE TOP LN BUCKINGHAM, VA 23921 | AFLAC | $17 | — | $17 | 0.02% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | AFLAC | $8 | — | $8 | 0.01% |
| BRITTA MARTIN3 | PO BOX 3986 CHESTER, VA 23831 | AFLAC | $5 | — | $5 | 0.00% |
| AMANDA BURGOS3 | 14 N ELM AVE HIGHLAND SPRINGS, VA 23075 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY RD SUITE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $6K | $1K | $8K | 14.98% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 6.52% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1700 BAYBERRY CT. SUITE 200 RICHMOND, VA 23226 | CITIZENS SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 138 | $816K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 89 | $41K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 313 | $51K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 313 | $51K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 313 | $51K |
| Other(2 contracts, 2 carriers) | AFLAC | 313 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.