| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS WAGNER3 Filed as: NICHOLAS A KAMMEYER | 6135 PARK SOUTH DRIVE SUITE 00 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $59K | — | $59K | 14.32% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 9.94% |
| AXA ASSISTANCE, USA3 Filed as: JAMES A SCOTT & SON, INC-AXA | CSZ LYNCHBURG, VA 24506 | MONY LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.62% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 21.77% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | MANHATTANLIFE | $24 | — | $24 | 0.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| ASSOCIATION SERVICES OF RALEIGH3 Filed as: ASSOCIATION SERVICES OF RALEIGH INC | 1053 BULLARD COURT RALEIGH, NC 27615 | KANAWHA INSURANCE COMPANY | $477 | — | $477 | 3.55% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | KANAWHA INSURANCE COMPANY | $432 | — | $432 | 3.22% |
| ASSOCIATION SERVICES OF RALEIGH3 | 1053 BULLARD COURT RALEIGH, NC 27615 | MANHATTANLIFE | $270 | — | $270 | 8.76% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | PO BOX 10489 LYNCHBURG, VA 24506 | MANHATTANLIFE | $231 | — | $231 | 7.50% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 249 | $98K |
| Vision | COMMUNITY EYE CARE | 232 | $15K |
| Life insurance(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 324 | $76K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 324 | $59K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 324 | $59K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 253 | $411K |
| Other(5 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 324 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.