| 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 | $38K | — | $38K | 2.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | OHIC PPO | $20K | — | $20K | 2.25% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 4.92% |
| CLAUDE V WILLIAMSON3 | 39 WINTER LANE WAYNESBORO, VA 22980 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 12.13% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCLE SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $438 | $2K | 2.32% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $847 | $488 | $1K | 1.56% |
| MICHELLE I MCADAMS3 | 1545 BOYERS ROAD HARRISONBURG, VA 22801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | — | $638 | 0.74% |
| LAURA H MILLEN3 | 8023 AINSDALE LANE CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.11% |
| BENJAMIN POMEROY3 | 2300 OAKENGATE LANE MIDLOTHIAN, VA 23113 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.09% |
| JOHN BENSON MILLEN III3 | 7812 ROCK CRESS DRIVE MOSELY, VA 23120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| DAVID E SHELL JR3 | 504 RAINBOW DRIVE STAUNTON, VA 24401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $69 | $6K | 13.15% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $40 | $5K | 15.12% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $585 | $8 | $593 | 13.19% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 15.01% |
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 | 473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA ADVANTAGE POS M/C | 254 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 340 | $170K |
| Vision(3 contracts, 3 carriers) | OPTIMA ADVANTAGE POS M/C | 254 | $2.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 473 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $35K |
| Other(7 contracts, 5 carriers) | OPTIMA ADVANTAGE POS M/C | 473 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 473 | — |
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."
No prospect flags tripped on this filing.