| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT INSURANCE3 | — | PIEDMONT COMMUNITY HEALTHCARE, INC. | $34K | — | $34K | 3.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $3K | $775 | $3K | 7.07% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $189 | $189 | 1.26% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $423 | — | $423 | 10.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1614 STONEY CREEK DRIVE SUITE 200 RICHMOND, VA 23238 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $140 | — | $140 | 10.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PIEDMONT COMMUNITY HEALTHCARE, INC. | 104 | $1.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 93 | $48K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 146 | $10K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $19K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $24K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.