| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $49K | — | $49K | 2.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE, STE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$27 | — | -$27 | -0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | HEALTHKEEPERS, INC. (G1608) | $48K | — | $48K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VA INC | 4951 LAKE BROOK DRIVE, STE 300 GLEN ALLEN, VA 23060 | HEALTHKEEPERS, INC. (G1608) | -$26 | — | -$26 | -0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF VIRGINIA | $14K | — | $14K | 6.39% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.77% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VA INC | 12882 COLLECTION CENTER DR CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $987 | — | $987 | 0.74% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $3K | $473 | $4K | 9.57% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 327 | $3.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 641 | $220K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 449 | $3.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $133K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 375 | $192K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 375 | $192K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 494 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.