| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | GUARDIAN | $37K | $1K | $38K | 18.96% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 NONE | Claims processing Service code 12 | — | $66K |
| ALLEGIANCE CASE MANAGEMENT EIN 03-0507057 NONE | Claims processing Service code 12 | — | $7K |
| ALLEGIANCE COBRA SERVICES EIN 71-0916514 NONE | Claims processing Service code 12 | — | $1K |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 426 | $121K |
| Vision | GUARDIAN | 289 | $201K |
| Life insurance | GUARDIAN | 289 | $201K |
| Short-term disability | GUARDIAN | 289 | $201K |
| Long-term disability | GUARDIAN | 289 | $201K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 216 | $655K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE | 289 | $857K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
No prospect flags tripped on this filing.