| 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 RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 9.90% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.54% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS LLC | 1850 GATEWAY DR STE 700 SAN MATEO, CA 94404 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34 | $573 | $607 | 0.19% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 4.90% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $638 | $265 | $903 | 0.57% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 10.01% |
| SEQUOIA BENEFITS & INS SVCS LLC3 Filed as: SEQUOIA BENEFITS AND INSURANCE SVCS | 1850 GATEWAY DRIVE STE 700 SAN MATEO, CA 94404 | HARTFORD LIFE AND ACCIDENT | -$11 | — | -$11 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Insurance services; Claims processing Service code 12 | — | $312K |
| JAMES A SCOTT & SON INC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | $162K |
| NAVIA BENEFITS EIN 91-1467758 CLAIMS PROCESSING | Claims processing Service code 12 | — | $8K |
| SEQUOIA BENEFITS LLC INS AGENTS AND BROKERS | Insurance agents and brokers Service code 22 | 1850 GATEWAY DR. STE 700 SAN MATEO, CA 94404 | $354 |
| CIGNA | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $0 |
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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 25 | $158K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $319K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 364 | $319K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 429 | $95K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 429 | $95K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 429 | $95K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 25 | $158K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $750K |
| Other | HARTFORD LIFE AND ACCIDENT | 429 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.