| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 10489 LYNCHBURG, VA 24506 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $54K | — | $54K | 1.88% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 8.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD STE F GREENSBORO, NC 274099593 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 2.87% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 60.72% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $503 | $7K | 23.61% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $863 | — | $863 | 3.01% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 53.06% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $334 | $4K | 21.31% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $551 | — | $551 | 2.99% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 503 | $2.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $194K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $194K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 440 | $223K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 165 | $29K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 503 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 167 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.