| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUIE 306 GREENSBORO, NC 27408 | HEALTHKEEPERS, INC. | $23K | — | $23K | 1.68% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $10K | $30K | 14.93% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $171 | — | $171 | 0.09% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.90% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $977 | — | $977 | 10.83% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 66 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 102 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 150 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $199K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $199K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $199K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.