| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 W. ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON, INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $12K | — | $12K | 7.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 8.45% |
| KEVIN L MARTIN3 Filed as: KEVIN LEE MARTIN | 1534 LINKS VIEW DR SALEM, VA 24153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.85% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS BROCKMAN HAWKINS | 125 BOGEY DR. ABINGDON, VA 24211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $839 | — | $839 | 0.89% |
| CYNTHIA WARE3 | 1291 BENCHMARK LN BEDFORD, VA 24523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $659 | — | $659 | 0.70% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSON RD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $601 | — | $601 | 0.64% |
| HENRY IRVIN MOSES III3 | 3646 LITTLE CREEK RD DUBLIN, VA 24084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $574 | — | $574 | 0.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 S. CALDWELL ST. STE 1500 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $330 | — | $330 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W. 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| JBA ENTERPRISES OF ROANOKE INC3 Filed as: JBA ENTERPRISES OF ROANOKE, INC. | 355 STONELEDGE DR ROANOKE, VA 24019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC DBA THR | 306 W. ERIE ST. CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF AMERICA | — | $842 | $842 | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $572 | — | $572 | 10.01% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 443 | $171K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $216K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 0 | $56K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 214 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.