| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 628 GREEN VALLED ROAD SUITE 306 GREENSBORO, NC 27408 | ANTHEM HEALTH OF VIRGINIA, INC. | $33K | — | $33K | 6.78% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | ATHEM LIFE INSURANCE COMPANY | $15K | — | $15K | 14.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF HOUSTON LLC | 13750 SAN PEDRO AVENUE SUITE 550 SAN ANTONIO, TX 78232 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 26.31% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $7K | $131 | $7K | 17.87% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH OF VIRGINIA, INC. | 143 | $693K |
| Dental | ANTHEM HEALTH OF VIRGINIA, INC. | 143 | $484K |
| Vision | ANTHEM HEALTH OF VIRGINIA, INC. | 143 | $484K |
| Life insurance | ATHEM LIFE INSURANCE COMPANY | 233 | $103K |
| Short-term disability | ATHEM LIFE INSURANCE COMPANY | 233 | $103K |
| Long-term disability | ATHEM LIFE INSURANCE COMPANY | 233 | $103K |
| Other(2 contracts, 2 carriers) | ATHEM LIFE INSURANCE COMPANY | 233 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.