| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $0 | $48K | 7.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 24502 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $5K | $258 | $6K | 9.87% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | DBA SCOTT INSURANCE LYNCHBURG, VA 24506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 11.17% |
| JOSEPH HENRY GROW III3 Filed as: JOSEPH HENRY GROW | 110 DICKINSON DR. BUENA VISTA, VA 24416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $377 | $0 | $377 | 2.22% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 16 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $48 | $312 | 1.84% |
| RAYMOND B LINGLE3 Filed as: RAYMOND LINGLE | 192 SUMMERFIELD CT. ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $9 | $261 | 1.54% |
| JOHN CUMMINGS3 | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $13 | $124 | 0.73% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 110 MOUNTAIN VIEW DR. ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $3 | $114 | 0.67% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $5 | $41 | 0.24% |
| SHANE MATTHEW SALYERS3 | 192 SUMMERFIELD CT ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.08% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| JOANNE M FREDERICK3 Filed as: JOANNE FREDERICK | 6510 OAKMAN BLVD. DETROIT, MI 48228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 10 FRANKLIN RD. SE STE. 550 ROANOKE, VA 24011 | ACE AMERICAN INSURANCE COMPANY | $675 | $0 | $675 | 14.99% |
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 | 660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 92 | $5K |
| Vision | UNICARE LIFE & HEALTH INSURANCE COMPANY | 1,167 | $58K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 811 | $609K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 811 | $609K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 811 | $609K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 811 | $631K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.