| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | P.O. BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $10K | $57K | 12.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | P.O. BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $276 | $2K | 12.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $492 | $87 | $579 | 11.76% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 245024317 | AMERITAS LIFE INSURANCE CORP. | — | $60 | $60 | 1.42% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE SUITE 900 ST. LOUIS, MO 63141 | METLIFE LEGAL PLANS | — | $87 | $87 | 2.19% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 290 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 157 | $1.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 377 | $98K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 85 | $4K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $478K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $492K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $478K |
| Prescription drug(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 157 | $1.7M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 414 | $495K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.