| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE3 | A DIVISION OF JAMES A. SCOTT 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | QBE INSURANCE | — | $2K | $2K | 0.51% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 17.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.97% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 6.12% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $366 | — | $366 | 1.51% |
| IRIS M TREAKLE3 | PO BOX 160 IRVINGTON, VA 22480 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | — | $318 | 1.31% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BOULEVARD SUITE 111 CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $165 | — | $165 | 0.68% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD SUITE 600 LYNCHBURG, VA 24502 | EYEMED VISION CARE | $1K | — | $1K | 9.97% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $576 | — | $576 | 15.57% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 151 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43 | $34K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,553 | $350K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,553 | — |
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.