| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | HARTFORD LIFE AND ACCIDENT | $94K | — | $94K | 15.97% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | — | $16K | $16K | 2.75% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | HEALTHKEEPERS, INC. | $9K | — | $9K | 1.91% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF VIRGINIA | $13K | — | $13K | 4.93% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $502 | $6K | 7.94% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $160 | $4K | 5.05% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 3900 WESTERRE PARKWAY SUITE 200 RICHMOND, VA 23233 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 11.48% |
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 | 1,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 694 | $262K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,075 | $44K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,122 | $659K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,122 | $587K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,122 | $587K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 725 | $460K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,528 | $687K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.