| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $36K | $163 | $36K | 1.56% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | — | $10K | 0.84% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | — | $10K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 15.53% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | — | $5K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.64% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $4K | $5 | $4K | 14.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.07% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $4K | $5 | $4K | 15.02% |
| JAMES A SCOTT & SON INC3 | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $2K | $5 | $2K | 15.03% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $2K | $5 | $2K | 14.04% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $17 | $5 | $22 | 18.49% |
| JAMES A SCOTT & SON INC3 | 1700 BAYBERRY COURT SUITE 200 RICHMOND, VA 23226 | COMPANION LIFE | $9 | $5 | $14 | 21.88% |
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 | 299 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 229 | $3.5M |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 198 | $148K |
| Life insurance(6 contracts) | COMPANION LIFE | 296 | $81K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $91K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $77K |
| Other(6 contracts) | COMPANION LIFE | 296 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.