| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 | 122 WEST PINE STREET SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17K | $17K | 2.65% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 2.63% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 8575 WEST 110TH STREET SUITE 210 OVERLAND PARK, KS 66210 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 2.50% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.90% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 12.00% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.50% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.99% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.17% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $6K | $770 | $7K | 5.65% |
| SAGS JOINT BENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200B NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $4K | — | $4K | 3.20% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $635 | $208 | $843 | 0.72% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 13.09% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRAT | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.19% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.64% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 26260 | UNUM INSURANCE COMPANY | $4K | $723 | $5K | 6.19% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD SUITE 307 CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $3K | $417 | $3K | 4.05% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNUM INSURANCE COMPANY | — | $3 | $3 | 0.00% |
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 | 933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,447 | $646K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,447 | $646K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 964 | $236K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 311 | $197K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 964 | $338K |
| Prescription drug | RXBENEFITS, INC. | 962 | $4.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 949 | $842K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,992 | $546K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,992 | — |
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."
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.