| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $5K | $57K | 15.94% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.78% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | THE FERRY TERMINAL BLDG STE 200 2 AQUARIUM DR CAMDEN, NJ 08103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $7K | $35K | 12.72% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200 THE FERRY TERMINAL BUILDING CAMDEN, NJ 081031000 | METROPOLITAN LIFE INSURANCE COMPANY | -$4K | — | -$4K | -1.54% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.23% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.77% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $8K | 70.77% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,280 | $275K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 449 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $360K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $360K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $360K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 506 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.