| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 628 GREEN VALLEY RD. SUITE 306 GREEENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $27K | $2K | $29K | 1.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 628 GREEN VALLEY RD. SUITE 306 GREEENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $27K | $2K | $29K | 18.83% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 628 GREEN VALLEY RD. SUITE 306 GREEENSBORO, NC 27408 | ANTHEM LIFE INSURANCE COMPANY | $27K | $2K | $29K | 34.27% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $5K | $27K | 33.72% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P O BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $917 | $11K | 13.10% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.32% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | P.O. BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $3K | $19K | 33.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $537 | $7K | 12.69% |
| EMPLOYEE NAVIGATOR, LLC3 | 79779 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 628 GREEN VALLEY RD. SUITE 306 GREEENSBORO, NC 27408 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $27K | $2K | $29K | 74.51% |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 557 | $2.5M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 458 | $154K |
| Vision(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 557 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 692 | $140K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 220 | $56K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 557 | $2.5M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 692 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.