| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: RUTHERFORD -MARSH & MCLENNAN AGENCY | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBIE MILL EAST BOULEVARD #100 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.10% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | ONE SOUTH JEFFERSON STREET ROANOKE, VA 24011 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 1.93% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $130 | $3K | 5.94% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $704 | — | $704 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $678 | — | $678 | 1.22% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $77 | $2K | 5.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $389 | — | $389 | 1.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $335 | — | $335 | 1.02% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $62 | $3K | 12.43% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $412 | — | $412 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $345 | — | $345 | 1.28% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $43 | $1K | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $255 | — | $255 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $221 | — | $221 | 1.17% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $920 | — | $920 | 6.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 222 CENTRAL PARK AVENUE VIRGINIA BEACH, VA 23462 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $346 | — | $346 | 2.48% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 1700 BAYBERRY COURT RICHMOND, VA 23226 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $115 | — | $115 | 0.83% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 260 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 249 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 226 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $46K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $56K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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.