| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $82K | $82K | 3.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 2424 HICKORY, NC 28603 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | $5 | $8 | 0.00% |
| ENC INVESTMENTS LLC3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 7.72% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | EYE MED | $2K | — | $2K | 9.18% |
| CARLISA E BRYANT4 Filed as: CARLISA E. BRYANT | PO BOX 2571 DAVIDSON, NC 28036 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $122 | — | $122 | 10.59% |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 476 | $2.4M |
| Vision | EYE MED | 416 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $209K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $209K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $209K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.