| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | P.O. BOX 603438 CHARLOTTE, NC 28260 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | $671 | — | $671 | 0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AETNA LIFE INSURANCE CO. | $211 | — | $211 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 4.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 1.71% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 5.32% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 8.80% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $17 | — | $17 | 5.38% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DRIVER ALLIANT INSURANCE SVCS | Insurance agents and brokers Service code 22 | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | $22K |
| JAMES A SCOTT AND SON INC | Insurance agents and brokers Service code 22 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | $7K |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 535 | $3.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 558 | $225K |
| Vision | AETNA LIFE INSURANCE CO. | 535 | $3.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 424 | $138K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $195K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 318 | $195K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 424 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.