| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET 14TH FLOOR ATLANTA, GA 30318 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | HARTFORD LIFE AND ACCIDENT | $0 | -$25K | -$25K | -0.74% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | 628 GREEN VALLEY ROAD, SUITE 306 GREENSBORO, NC 27408 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | UNKNOWN LYNCHBURG, VA 24506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 10.75% |
| MJ INSURANCE3 Filed as: JOHN E. CUMMINGS AND VARIOUS AGENTS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $29 | $1K | 2.01% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.68% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $888 | $55 | $943 | 1.55% |
| JOSPEH HENRY GROW III3 | 110 DICKINSON DRIVE BUENA VISTA, VA 24416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $860 | $0 | $860 | 1.41% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $609 | $0 | $609 | 1.00% |
| SANDRA LOWE LINGLE3 | 3812 CONCORD PLACE, SUITE 6 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $427 | $9 | $436 | 0.72% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | 10 FRANKLIN ROAD SE, SUITE 550 ROANOKE, VA 24011 | ACE AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 2,973 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,054 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 5,614 | $318K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,973 | $3.4M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,973 | $3.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,973 | $3.4M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,973 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,614 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.