| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE & FINANCIAL SERVICE3 | 10101 TERRACE COURT FREDERICKSBURG, VA 22408 | AETNA HEALTH, INC. | — | — | $0 | 0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 10.26% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 8.37% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1700 BAYBURRY COURT SUITE 200 RICHMOND, VA 23226 | EYEMED VISION CARE | $771 | — | $771 | 9.94% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DOMINION DENTAL SERVICES, INC. | $204 | — | $204 | 9.61% |
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 | 154 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 56 | $141K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $74K |
| Vision | EYEMED VISION CARE | 139 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $166K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $166K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.