| 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 HEALTH PLAN OF OF VIRGINIA, INC. | $17K | — | $17K | 22.85% |
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD SUITE 200 VIRGINIA BEACH, VA 23462 | ANTHEM HEALTH PLAN OF OF VIRGINIA, INC. | $3K | — | $3K | 4.26% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AFLAC | $4K | — | $4K | 6.29% |
| SUSAN N ADAMS3 | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $1K | $22 | $1K | 2.52% |
| BRENMARIE MENDOZA3 | 4612 FINNEY CT CHESTER, VA 23831 | AFLAC | $768 | $11 | $779 | 1.34% |
| JODI ANN VAUGHN3 | 6207 ANNA PARK DR APT 203 MIDLOTHIAN, VA 23112 | AFLAC | $438 | — | $438 | 0.75% |
| GENIA ANNE TENCH3 Filed as: GENIA ANNA TENCH | 542 KING WILLIAM RD HANOVER, VA 23069 | AFLAC | $254 | — | $254 | 0.44% |
| FELICIA BAKER3 | 2819 N PARHAM ROAD SUITE 240 RICHMOND, VA 23294 | AFLAC | $154 | $3 | $157 | 0.27% |
| JOSHUA C BURTON3 | 4198 COX ROAD SUITE 113 GLEN ALLEN, VA 23060 | AFLAC | $117 | $8 | $125 | 0.21% |
| ROBERT A ROBERTSON3 | 511 WOODBINE LN BRISTOL, TN 37620 | AFLAC | $120 | — | $120 | 0.21% |
| STEPHANIE SHEPPA3 Filed as: STEPHANIE VANHOUTEN | 189 RIVER PLACE DUNNSVILLE, VA 22454 | AFLAC | $95 | — | $95 | 0.16% |
| SHANDA PARKER3 | PO BOX 5216 GLEN ALLEN, VA 23058 | AFLAC | $86 | $5 | $91 | 0.16% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PL MIDLOTHIAN, VA 23114 | AFLAC | $45 | — | $45 | 0.08% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM LIFE INSURANCE COMPANY | $5K | $714 | $5K | 12.77% |
| CHOICE FINANCIAL GROUP LLC3 | 5544 GREENWICH ROAD SUITE 200 VIRGINIA BEACH, VA 23462 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
| 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 | $525 | — | $525 | 10.62% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLAN OF OF VIRGINIA, INC. | 65 | $74K |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLAN OF OF VIRGINIA, INC. | 65 | $79K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 193 | $42K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 193 | $42K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 193 | $42K |
| Other(2 contracts, 2 carriers) | AFLAC | 193 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.