| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN L BICKLEY3 | PO BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $202K | — | $202K | 17.23% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | — | $110K | 10.29% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $15K | 6.48% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 19.15% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $815 | — | $815 | 0.96% |
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 | 4,512 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 264 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 20 | $85K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,403 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,678 | $246K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,607 | $239K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,607 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,330 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,607 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,607 | — |
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.
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.