| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | PO BOX 10489 LYNCHBURG, VA 24506 | HARTFORD LIFE AND ACCIDENT | $171K | $0 | $171K | 8.63% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $0 | $78K | $78K | 3.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 24502 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $21K | $3K | $24K | 10.78% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC. | DBA SCOTT INSURANCE LYNCHBURG, VA 24506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 11.49% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $791 | $460 | $1K | 2.84% |
| JOSEPH HENRY GROW III3 | 110 DICKINSON DRIVE BUENA VISTA, VA 24416 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $835 | $0 | $835 | 1.90% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $615 | $64 | $679 | 1.54% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIR #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $22 | $294 | 0.67% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 110 MOUNTAIN VIEW DR. ROCKY MOUNT, VA 24151 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | $2 | $274 | 0.62% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.09% |
| SHANE MATTHEW SALYERS3 | 192 SUMMERFIELD CT ROANOKE, VA 24019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DOMINGO MUNOZ3 | PO BOX 775 CHARLOTTE, TX 78011 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JOANNE M FREDERICK3 | 6510 OAKMAN BLVD DETROIT, MI 48228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 10 FRANKLIN RD. SE STE. 550 ROANOKE, VA 24011 | ACE AMERICAN INSURANCE COMPANY | $965 | $0 | $965 | 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 | 2,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ACE AMERICAN INSURANCE COMPANY | 2,095 | $6K |
| Vision | UNICARE LIFE & HEALTH INSURANCE COMPANY | 2,095 | $225K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,095 | $2.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,095 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,095 | $2.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,095 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,095 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.