| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $109K | $109K | 3.84% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT & SON INC. | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY (G1400) | — | $9K | $9K | 16.29% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRFIEW DRIVE SUITE 210 CHARLOTTE, NC 28210 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 19.47% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 12.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY INSURANCE | — | $834 | $834 | 4.88% |
| JAMES SCOTT & SON INC3 Filed as: JAMES SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $8K | $8K | 61.96% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DRIVE SUITE 210 CHARLOTTE, NC 28210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $675 | $675 | 5.24% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | — | $36 | $36 | 4.87% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 274 | $2.9M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY INSURANCE | 268 | $18K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 55 | $70K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 55 | $57K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY (G1400) | 90 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
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.