| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P.O. BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $10K | $30K | 14.78% |
| BRYAN L BICKLEY3 | PO BOX 10489 LYNCHBURG, VA 245060489 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $105K | — | $105K | 56.02% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $23K | 18.07% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 18.15% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $19K | 73.42% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18 | — | $18 | 0.07% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $109 | $1K | 26.27% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | — | $130 | 2.64% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $588 | $72 | $660 | 18.74% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | — | $87 | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 COBRA TPA | Plan Administrator Service code 14 | 1218 S CHURCH STREET CHARLOTTE, NC 28203 | $5K |
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 | 921 | 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) | 921 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 664 | $187K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 921 | $205K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $55K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $125K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $130K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 921 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.