| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT BENEFIT SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | — | $93K | 11.65% |
| THE BENEFIT COMPANY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 0.73% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 3.22% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD STE 20 NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 2.54% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.04% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $2K | $26K | 12.50% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD STE 20 NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.72% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 23127 COLUMBIA, SC 29224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 2.18% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $10K | $3K | $12K | 19.02% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | UNUM INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $7K | $2K | $8K | 19.01% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $3K | $935 | $4K | 19.03% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | UNUM INSURANCE COMPANY | $695 | — | $695 | 2.99% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 442 | $799K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 442 | $799K |
| Vision | VISION SERVICE PLAN | 289 | $51K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $708K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $503K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $503K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 442 | $799K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $841K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.