| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | $6K | $63K | 11.11% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $1K | $15K | 10.73% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $3K | 21.38% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 22.49% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $824 | $1K | $2K | 27.49% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $744 | $2K | 29.34% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $731 | $2K | 29.64% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $763 | $472 | $1K | 28.92% |
| JAMES A SCOTT & SON INC3 | 1614 STONEY CREEK DRIVE STE 200 RICHMOND, VA 23238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $364 | $483 | $847 | 23.28% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $571K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $143K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $143K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 32 | $8K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.