| 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 | — | $4K | $4K | 1.01% |
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 16.30% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $35K | $889 | $36K | 57.46% |
| CORY EASTON3 | 502 WASHINGTON AVENUE SUITE 450 TOWSON, MD 21204 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | — | $2K | $2K | 2.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | FIDELITY | $1K | — | $1K | 9.88% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 141 | $63K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 164 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $152K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $152K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $152K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 1,589 | $421K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 274 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,589 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.