| 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 | $41K | $2K | $43K | 21.82% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 763 MARKET ST. CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $475 | $475 | 0.24% |
| 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 | $16K | — | $16K | 10.00% |
| 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 | $11K | — | $11K | 11.68% |
| KEVIN L MARTIN3 Filed as: KEVIN LEE MARTIN | 1534 LINKS VIEW DR SALEM, VA 24153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.71% |
| CYNTHIA WARE3 | 1291 BENCHMARK LN BEDFORD, VA 24523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.87% |
| JUDY L MCCULLOUGH3 | 5182 THOMAS JEFFERSON RD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 550 S. CALDWELL ST. STE 1500 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $791 | — | $791 | 0.84% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS BROCKMAN HAWKINS | 125 BOGEY DR. ABINGDON, VA 24211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.15% |
| HENRY IRVIN MOSES III3 | 3646 LITTLE CREEK RD DUBLIN, VA 24084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.10% |
| JBA ENTERPRISES OF ROANOKE INC3 Filed as: JBA ENTERPRISES OF ROANOKE, INC. | 355 STONELEDGE DR ROANOKE, VA 24019 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$170 | — | -$170 | -0.18% |
| 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 | $7K | $490 | $8K | 14.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 736 MARKET ST. STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 0.23% |
| 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 | $5K | $332 | $5K | 14.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 736 MARKET ST. STE 1000 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $79 | $79 | 0.23% |
| 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 | $769 | — | $769 | 14.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST. STE 100 CHATTANOOGA, TN 37402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.11% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 394 | $161K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $198K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 0 | $52K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 65 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.