| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $0 | $23K | 10.00% |
| GAGE BENEFIT ADVISORS, INC.3 Filed as: GAGE BENEFIT ADVISORS INC. | 6115 PARK SOUTH DR SUITE 330 CHARLOTTE, NC 28210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.85% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 47 AIRPARK CT GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | $0 | $538 | $538 | 1.61% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORP. | — | $29 | $29 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF NORTH CAROLINA EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 2291 DURHAM, NC 27702 | $172K |
| SEAN R WILLOUGHBY-RAY BROKER AGENT | Insurance agents and brokers Service code 22 | 628 GREENVALLEY ROAD SUITE 3 GREENSBORO, NC 27408 | $54K |
| AMERITAS LIFE INSURANCE CORP EIN 47-0098400 DENTAL ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | PO BOX 81889 LINCOLN, NE 68501 | $13K |
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 | 367 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 521 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $227K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $227K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.
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.