| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $241K | — | $241K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY INC. | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $120K | — | $120K | 1.67% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $158K | — | $158K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $79K | — | $79K | 1.67% |
| JSMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $136K | — | $136K | 3.32% |
| FINLEY STOKES INSURANCE AGENCY INC3 | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $68K | — | $68K | 1.66% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 603408 CHARLOTTE, NC 28260 | METROPOLITAN LIFE INSURANCE COMPANY | $306K | — | $306K | 8.19% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $165K | — | $165K | 4.41% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $78K | — | $78K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $39K | — | $39K | 1.66% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $61K | — | $61K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $31K | — | $31K | 1.67% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $52K | — | $52K | 3.34% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $26K | — | $26K | 1.67% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $46K | — | $46K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $23K | — | $23K | 1.67% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $26K | — | $26K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $13K | — | $13K | 1.67% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $22K | — | $22K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $11K | — | $11K | 1.67% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | BLUECHOICE HEALTHPLAN | $5K | — | $5K | 3.33% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY, INC | 669 N ACADEMY STREET GREENVILLE, SC 29601 | BLUECHOICE HEALTHPLAN | $2K | — | $2K | 1.67% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $162 | $4K | 8.41% |
| FINLEY STOKES INSURANCE AGENCY INC Filed as: FINLEY STOKES INSURANCE AGENCY INC. | 669 N ACADEMY STREET GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 26260 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $127 | $3K | 8.51% |
| FINLEY STOKES INSURANCE AGENCY INC3 Filed as: FINLEY STOKES INSURANCE AGENCY INC. | 669 N ACADEMY STREET GREENVILLE, SC 29601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
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 | 2,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN | 754 | $24.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,807 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,807 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.