| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE RAPER3 | PO BOX 5065 GREENVILLE, NC 27835 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 7.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | PO BOX 10489 LYNCHBURG, VA 24506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.39% |
| BRUCE RAPER3 Filed as: BRUCE SCOTT RAPER | PO BOX 5065 GREENVILLE, NC 27835 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 4.24% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.76% |
| BRUCE RAPER3 Filed as: BRUCE S. RAPER | PO BOX 5065 GREENVILLE, NC 27835 | COMMUNITY EYE CARE | $2K | — | $2K | 6.18% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | COMMUNITY EYE CARE | $967 | — | $967 | 2.42% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 510 | $240K |
| Vision | COMMUNITY EYE CARE | 558 | $40K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 645 | $474K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 645 | $474K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 645 | $474K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 645 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.