| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.42% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 12.10% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DB SCOTT IN | PO BOX 10489 LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $129 | $2K | 5.36% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | COMMUNITY EYE CARE | $814 | — | $814 | 5.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $624 | $624 | 5.16% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DB SCOTT IN | PO BOX 10489 LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $48 | $48 | 0.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 NORTH ELM STREET GREENSBORO, NC 27429 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $648 | $466 | $1K | 12.24% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DB SCOTT IN | PO BOX 10489 LYNCHBURG, VA 24506 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $444 | $37 | $481 | 5.29% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 142 | $572K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $102K |
| Vision | COMMUNITY EYE CARE | 147 | $14K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $9K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 60 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $31K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 142 | $572K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.