| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIEDMONT COMMUNITY HEALTHCARE INC3 | 2316 ATHERHOLT ROAD LYNCHBURG, VA 24501 | PIEDMONT COMMUNITY HEALTH PLAN | $47K | — | $47K | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $3K | — | $3K | 3.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | COMPANION LIFE INSURANCE COMPANY | $3K | $42 | $4K | 13.87% |
| BENEFITS BY CHOICE3 | 401 WESTWOOD OFFICE PARK FREDRICKSBURG, VA 22401 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $709 | $2K | 8.02% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PIEDMONT COMMUNITY HEALTH PLAN | 227 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC | 168 | $75K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $23K |
| Short-term disability(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 75 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.