| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| G SCOTT COOKE3 Filed as: SCOTT INSURANCE SERVICES | 1301 OLD GRAVES MILL RD. LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $162K | $184K | 3.64% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| G SCOTT COOKE3 Filed as: SCOTT INSURANCE SERVICES | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $851 | $8K | 22.48% |
| G SCOTT COOKE3 Filed as: SCOTT INSURANCE SERVICES | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $745 | $7K | 22.37% |
| G SCOTT COOKE3 Filed as: SCOTT INSURANCE SERVICES | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $520 | $7K | 33.98% |
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 | 902 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $5.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $5.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 926 | $133K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 928 | $107K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 928 | $133K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 925 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.