| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $59K | — | $59K | 4.70% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT B | PO BOX 603438 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 13.79% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 7.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $220 | — | $220 | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 222 CENTRAL PARK AVENUE VIRGINIA BEACH, VA 23462 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $86 | — | $86 | 0.70% |
| THREEFLOW3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $76 | — | $76 | 0.62% |
| THREEFLOW3 | 306 WEST ERIE STREET CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13 | — | $13 | 0.11% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 71 | $1.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 158 | $93K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 199 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $123K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $123K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $123K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 244 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.