| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 9.45% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD MT. PLEASANT, SC 29465 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 3.78% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | DELTA DENTAL OF MISSOURI | $9K | — | $9K | 13.92% |
| SOUTHERN BENEFITS LLC3 | PO BOX 1777 MT. PLEASANT, SC 29465 | DELTA DENTAL OF MISSOURI | -$23 | — | -$23 | -0.04% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $995 | — | $995 | 4.81% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 20.01% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | — | $137 | 4.89% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $438K |
| Dental | DELTA DENTAL OF MISSOURI | 156 | $61K |
| Vision | PHYSICIANS EYECARE PLAN | 81 | $12K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $438K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.