| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $0 | $65K | $65K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET 14TH FLOOR, STUDIO N-108 ATLANTA, GA 30318 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.07% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | UNKNOWN LYNCHBURG, VA 24506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 9.91% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL, III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $864 | $0 | $864 | 1.35% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $731 | $5 | $736 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $460 | $7 | $467 | 0.73% |
| SANDRA LOWE LINGLE3 Filed as: SANDRA LOWE LINGLE AND OTHER AGENTS | 3812 CONCORD PLACE, SUITE 6 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $2 | $446 | 0.69% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 968 REDBUD LANE MONETA, VA 24121 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $343 | $0 | $343 | 0.53% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $329 | $0 | $329 | 0.51% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & 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 | 2,670 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 82 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNICARE LIFE AND HEALTH INSURANCE COMPANY | 5,673 | $283K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,107 | $3.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 3,107 | $3.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 3,107 | $3.5M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 3,107 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,673 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.