| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | UNITEDHEALTHCARE INSURANCE COMPANY | $530 | $45K | $46K | 3.42% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $182 | $0 | $182 | 0.01% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SOUTH 8TH STREET IDS CENTER, SUITE 700 MINNEAPOLIS, MN 55402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.80% |
| AON CONSULTING INC3 | 1111 METROPOLITAN AVENUE CHARLOTTE, NC 28204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.75% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | PO BOX 10489 LYNCHBURG, VA 24506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.72% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $83 | $83 | 0.06% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | IDS CENTER, SUITE 700 MINNEAPOLIS, MN 55402 | DELTA DENTAL OF NORTH CAROLINA | $1K | $0 | $1K | 1.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF NORTH CAROLINA | $648 | $0 | $648 | 0.67% |
| AON CONSULTING INC3 | PO BOX 905494 CHARLOTTE, NC 28290 | DELTA DENTAL OF NORTH CAROLINA | $426 | $0 | $426 | 0.44% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 327 | $97K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.3M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $143K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $143K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $143K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 358 | $1.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 148 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.