| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $50K | $50K | 3.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 9.49% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NORTH CAROLINA | 823 NORTH ELM STREET GREENSBORO, NC 27401 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.77% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $53 | $53 | 0.03% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $8 | $8 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $10K | $0 | $10K | 9.37% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NORTH CAROLINA | PO BOX 14946 GREENSBORO, NC 27415 | DELTA DENTAL OF NORTH CAROLINA | $810 | $0 | $810 | 0.79% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | COMMUNITY EYE CARE | $1K | $0 | $1K | 7.71% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NORTH CAROLINA | PO BOX 14946 GREENSBORO, NC 27415 | COMMUNITY EYE CARE | $400 | $0 | $400 | 2.30% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 280 | $102K |
| Vision | COMMUNITY EYE CARE | 267 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 179 | $156K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 179 | $156K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 179 | $156K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 245 | $1.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 179 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.