| 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 245024317 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 8.21% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | STANDARD INSURANCE COMPANY | — | $144 | $144 | 0.10% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE CO. | $12K | $2K | $14K | 13.68% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $835 | $5K | 14.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | $730 | — | $730 | 2.35% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $331 | $3K | 13.59% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $302 | $302 | 1.91% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 263 | $150K |
| Vision | STANDARD INSURANCE COMPANY | 263 | $150K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $39K |
| Other(5 contracts, 3 carriers) | HCC LIFE INSURANCE COMPANY | 381 | $735K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.