| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $183K | $30K | $213K | 7.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | HARTFORD LIFE AND ACCIDENT | $59K | $0 | $59K | 2.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 0.38% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNICARE LIFE AND HEALTH INSURANCE COMPANY | $28K | $5K | $33K | 10.68% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT AND SON, INC. | UNKNOWN LYNCHBURG, VA 24506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.88% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $966 | $333 | $1K | 2.14% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $846 | $178 | $1K | 1.68% |
| SANDRA LOWE LINGLE3 | 3812 CONCORD PLACE, SUITE 6 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $899 | $71 | $970 | 1.59% |
| JOSEPH HENRY GROW III3 | 110 DICKINSON DRIVE BUENA VISTA, VA 24416 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $864 | $0 | $864 | 1.42% |
| MJ INSURANCE3 Filed as: LINDA B. ALLEN AND VARIOUS AGENTS | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $420 | $4 | $424 | 0.70% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $18 | $391 | 0.64% |
| 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 | 1,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 1,535 | $310K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,962 | $2.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,962 | $2.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,962 | $2.9M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,962 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,962 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.