| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | OPTIMA ADVANTAGE POS M/C | $30K | — | $30K | 2.27% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 0.85% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS AND COMPENSATIO | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 0.76% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | OHIC PPO | $5K | — | $5K | 2.25% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 4.92% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD PO BOX 10489 LYNCHBURG, VA 24506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $915 | $915 | 0.73% |
| CLAUDE V WILLIAMSON3 | 39 WINTER LANE WAYNESBORO, VA 22980 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $900 | $9K | 13.92% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $463 | $2K | 2.60% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $669 | $452 | $1K | 1.68% |
| MICHELLE I MCADAMS3 | 1545 BOYERS ROAD HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $486 | $141 | $627 | 0.94% |
| LAURA H MILLEN3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.15% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | — | $78 | 0.12% |
| JOHN BENSON MILLEN III3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.05% |
| DAVID E SHELL JR3 | 504 RAINBOW DRIVE STAUNTON, VA 24401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| RONALD R PILAND3 | 1621 SWANSBURY DRIVE RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $578 | — | $578 | 13.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | — | $194 | 15.02% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OPTIMA ADVANTAGE POS M/C | 238 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 292 | $125K |
| Vision(4 contracts, 4 carriers) | OPTIMA ADVANTAGE POS M/C | 238 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 428 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $34K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 62 | $579K |
| Other(7 contracts, 5 carriers) | OPTIMA ADVANTAGE POS M/C | 428 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.