| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON DBA SCOTT INSUR | 2501 BLUE RIDGE ROAD, SUITE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | $91K | $6K | $97K | 5.42% |
| COMMUNITY BANK SERVICES3 Filed as: COMMUNITY BANK SERVICES, INC. | 3601 HAWORTH DRIVE RALEIGH, NC 27609 | HCC LIFE INSURANCE COMPANY | $61K | — | $61K | 3.40% |
| C2 CENTRIC LLC3 | P.O. BOX 6824 GRAND RAPIDS, MI 49516 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY BANK SERVICES INC EIN 56-1268430 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 3601 HAWORTH DRIVE RALEIGH, NC 27609 | $1.2M |
| BUSINESSSOLVER.COM, INC EIN 42-1503807 CONSULTING | Consulting (general) Service code 16 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | $111K |
| HCMS GROUP EIN 27-1478411 HEALTH INFO SERVICE | Participant communication Service code 38 | 600 GRANT STREET PITTSBURGH, PA 15219 | $104K |
| SCOTT INSURANCE EIN 54-0372970 ADVISORY SERVICES | Other insurance fees and expenses; Non-monetary compensation Service code 56 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | $70K |
| RUDD & WISDOM, INC. EIN 74-1896655 ACTUARY | Actuarial Service code 11 | 9500 ARBORETUM BLVD. SUITE 200 AUSTIN, TX 78759 | $30K |
| CHERRY BEKAERT LLP EIN 56-0574444 AUDIT & TAX SERVICES | Accounting (including auditing) Service code 10 | 3800 GLENWOOD AVE SUITE 200 RALEIGH, NC 27612 | $26K |
| BMI AUDIT SERVICES, INC. EIN 38-4091484 CLAIMS AUDIT SERVICES | Accounting (including auditing) Service code 10 | 100 E. WAYNE STREET, SUITE 400 SOUTH BEND, IN 46601 | $14K |
| ZURICH INSURANCE CO. INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1299 ZURICH WAY SCHAUMBURG, IL 601961056 | $12K |
| BROOKS PIERCE EIN 56-0561489 LEGAL SERVICES | Legal Service code 29 | 150 FAYETTEVILLE ST 1700 RALEIGH, NC 27601 | $2K |
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 | 2,254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 3,841 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,254 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,841 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.