| 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 RD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 4.54% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 13.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| 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 (UNUM) | $26 | — | $26 | 1.69% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 3900 WESTERRE PKWY, STE 200 RICHMOND, VA 23233 | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | $121 | — | $121 | 9.19% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | EXPRESS SCRIPTS | $4K | — | $4K | — |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | ALLEGIANCE BENEFIT PLAN MANAGEMENT INC. | $41K | — | $41K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MGMT INC. EIN 81-0400550 3RD PARTY ADMIN | Contract Administrator Service code 13 | 2806 S. GARFIELD ST. STE. 101 MISSOULA, MT 59801 | $23K |
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 | 122 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 131 | $11K |
| Dental | DELTA DENTAL OF VIRGINIA | 192 | $62K |
| Vision | EYEMED VISION CARE (FIDELITY SECURITY LIFE INSURANCE COMPANY) | 144 | $1K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 122 | $51K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 122 | $51K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 122 | $51K |
| Prescription drug | EXPRESS SCRIPTS | 85 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 81 | $259K |
| Other(3 contracts, 3 carriers) | THE HARTFORD LIFE AND ACCIDENT | 122 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.