| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL C CARTER3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27067 | BLUECROSS BLUESHIELD OF NORTH CAROLINA | $47K | — | $47K | 2.79% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUIE 306 GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $12K | — | $12K | 8.46% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $708 | $5K | 13.23% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $1K | — | $1K | 10.01% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $72 | — | $72 | 0.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $2K | $205 | $2K | 20.54% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4615 UNIVERSITY DRIVE DURHAM, NC 27707 | UNUM INSURANCE COMPANY | $601 | — | $601 | 6.16% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | — | $187 | $187 | 1.92% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $858 | $15 | $873 | 14.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC OF C | PO BOX 95287 CHICAGO, IL 60694 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $856 | — | $856 | 14.10% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | FIRST UNUM LIFE INSURANCE COMPANY | $11 | $1 | $12 | 16.67% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 118 | $1.7M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 253 | $142K |
| Vision | VISION SERVICE PLAN | 99 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $40K |
| Prescription drug | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 118 | $1.7M |
| Other(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF NORTH CAROLINA | 136 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.