| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 245060489 | HUMANA DENTAL INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| DURWOOD BOOTH JR3 Filed as: DURWOOD BOOTH JR. | 6231 HIGHAM DRIVE ALEXANDRIA, VA 22310 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $606 | $66 | $672 | 8.19% |
| GREG W WOOLLEY3 Filed as: GREG W. WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $3 | $93 | 1.13% |
| MARGARET F. GORMAN3 | 2418 N OTTAWA STREET ARLINGTON, VA 22205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.87% |
| BARBARA BAROS3 Filed as: BARBARA B CARDELLICHIO | 3510 WISTERIA WAY CT FAIRFAX, VA 22033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.71% |
| DARRYL HYMES3 | 3900 JERMANTOWN ROAD FAIRFAX, VA 22030 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $14 | $52 | 0.63% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $8 | $25 | 0.30% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.27% |
| LILIENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $6 | $15 | 0.18% |
| BARBARA WILLINGHAM3 | 1214 KELLEY ST, SW VIENNA, VA 22180 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.15% |
| STEPHEN ROSS WEINSTOCK3 | 2521 WEST MAIN STREET RICHMOND, VA 23220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $823 | — | $823 | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 30541 SALT LAKE CITY, UT 84130 | $78K |
| JAMES A SCOTT & SON INC EIN 54-0372970 BROKER | Other commissions Service code 55 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | $27K |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 120 | $59K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 160 | $14K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY | 160 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.