| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN L BICKLEY3 | P.O. BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $39K | — | $39K | 3.52% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | P.O. BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 12.88% |
| JAMES A SCOTT & SON INC3 | 4700 FALLS OF NEUSE ROAD SUITE 320 RALEIGH, NC 27609 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.95% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 1048 LYNCHBURG, VA 24506 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | P.O. BOX 10489 LYNCHBURG, VA 24506 | USABLE LIFE | $598 | — | $598 | 10.15% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $371 | — | $371 | 6.30% |
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 | 298 | 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) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 202 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 298 | $70K |
| Life insurance | USABLE LIFE | 265 | $6K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 202 | $1.1M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 265 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.