| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 11.28% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.39% |
| SWIDPRO LLC3 | 4944 WINDY HILL DR, STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT | $3K | $2K | $4K | 12.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | DBA SCOTT INSURANCE CHARLOTTE, NC 28260 | COLONIAL LIFE & ACCIDENT | $4K | $816 | $4K | 11.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT | $2K | $0 | $2K | 6.61% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT | $808 | $133 | $941 | 2.54% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | COLONIAL LIFE & ACCIDENT | $642 | — | $642 | 1.74% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT | $68 | $7 | $75 | 0.20% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | DBA SCOTT INSURANCE CHARLOTTE, NC 28260 | THE PAUL REVERE LIFE INSURANCE COMPANY | $53 | $0 | $53 | 5.09% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT ST CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $23 | $2 | $25 | 2.40% |
| SWIDPRO LLC3 | 4944 WINDY HILL DR, STE A RALEIGH, NC 27609 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $1 | $19 | 1.82% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.77% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LN WOODBINE, MD 21797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.10% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $88K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $89K |
| Other | COLONIAL LIFE & ACCIDENT | 43 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.