| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AETNA HEALTH, INC | $48K | $0 | $48K | 2.73% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | AETNA HEALTH, INC | $23K | $0 | $23K | 1.33% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $8K | $0 | $8K | 7.63% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 2.49% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $13K | 15.78% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.47% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.77% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE COMPANY LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.48% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.78% |
| INNOVATIVE INSURANCE GROUP LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $917 | $0 | $917 | 3.71% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $909 | $3K | 15.83% |
| INNOVATIVE INSURANCE GROUP LLC3 Filed as: INNOVATIVE INSURANCE COMPANY LLC | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $736 | $0 | $736 | 3.52% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $903 | $559 | $1K | 12.07% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $308 | $0 | $308 | 2.54% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $831 | $541 | $1K | 12.33% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $282 | — | $282 | 2.53% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STRYDEN INC | $785 | $0 | $785 | 53.00% |
| INNOVATIVE INSURANCE GROUP LLC3 | PO BOX 440 KENBRIDGE, VA 23944 | STRYDEN INC | $254 | $0 | $254 | 17.15% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC | 249 | $1.8M |
| Dental | DELTA DENTAL OF VIRGINIA | 261 | $99K |
| Vision | STRYDEN INC | 211 | $1K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $43K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.