| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW WILSON3 | 521 MOREHEAD STREET CHAROLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $28K | $0 | $28K | 4.76% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $0 | $36K | 12.69% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD | $1K | $0 | $1K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNION SECURITY INSURANCE COMPANY | $561 | $0 | $561 | 14.99% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | P.O. BOX 10489 LYNCHBURG, VA 24506 | SUN LIFE ASSURANCE COMPANY OF CANADA | $402 | $0 | $402 | 15.62% |
| SCOTT INSURANCE3 | 1301 OLD GRAVES ROAD LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $317 | $0 | $317 | 15.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $907K |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 112 | $45K |
| Vision | UNION SECURITY INSURANCE COMPANY | 64 | $4K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $5K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 95 | $12K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $3K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 157 | $590K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.