| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES, INC. | 20 WIGHT AVENUE SUITE 300 COCKEYSVILLE, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $68K | — | $68K | 1.94% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $63K | — | $63K | 1.79% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 7.71% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $718 | — | $718 | 0.97% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | P.O. BOX 10489 LYNCGBURG, VA 24506 | VISION SERVICE PLAN | $149 | — | $149 | 0.21% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 7.69% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $676 | — | $676 | 0.99% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 7.71% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | — | $419 | 0.99% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS FINANCIAL SERVICES, INC | 20 WIGHT AVENUE SUITE 300 HUNT VALLEY, MD 21030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $509 | $1 | $510 | 4.44% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $509 | — | $509 | 4.43% |
| HMS INSURANCE ASSOCIATES INC3 Filed as: HMS INSURANCE ASSOCIATES | P.O. BOX 1750 COCKEYSVILLE, MD 21030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $439 | $313 | $752 | 7.68% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $93 | — | $93 | 0.95% |
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 | 450 | 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) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 961 | $3.5M |
| Vision | VISION SERVICE PLAN | 394 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $74K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $42K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $68K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 961 | $3.5M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 450 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.