| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 9.89% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER STREET SUITE 101 MEADVILLE, PA 16335 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 6.48% |
| THE CASON GROUP INC3 | 1612 MARION STREET FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 3.60% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.25% |
| THE CASON GROUP INC3 | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $321 | $321 | 0.16% |
| JAMES ALEXANDER3 Filed as: JAMES MICHAEL ALEXANDER | 5800 WEST FRIENDLY AVENUE GREENSBORO, NC 27410 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $51K | — | $51K | 28.07% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENC | 12 FEDERAL STREET SUITE 405 PITTSBURG, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.96% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $860 | $211 | $1K | 2.11% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENC | 12 FEDERAL STREET SUITE 405 PITTSBURG, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 11.67% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $318 | $2K | 6.25% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $848 | $113 | $961 | 3.77% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY INC | — | VISION SERVICE PLAN | $1K | — | $1K | 4.55% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | PO BOX 603438 CHARLOTTE, NC 28260 | VISION SERVICE PLAN | $70 | — | $70 | 0.31% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENC | 12 FEDERAL STREET SUITE 405 PITTSBURG, PA 15212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 9.19% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | $11 | $94 | 8.30% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62 | $16 | $78 | 6.89% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $202K |
| Vision | VISION SERVICE PLAN | 129 | $22K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $76K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $52K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 202 | $183K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.