| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS KAMMEYER3 | 6135 PARK SOUTH DRIVE SUITE 100 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $61K | — | $61K | 12.13% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 4700 FALLS OF NEUSE ROAD SUITE 320 RALEIGH, NC 27609 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 10.23% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | — | MONY LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 13.86% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | MANHATTAN LIFE | $7K | — | $7K | 15.46% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS, INC | 1053 BULLARD COURT RALEIGH, NC 27615 | MANHATTAN LIFE | $630 | — | $630 | 2.96% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 24506 | MANHATTAN LIFE | $620 | — | $620 | 2.91% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | PO BOX 10489 LYNCHBURG, VA 24506 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
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 | 291 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 238 | $99K |
| Vision | COMMUNITY EYE CARE | 238 | $16K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 289 | $80K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 289 | $59K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 289 | $59K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 252 | $500K |
| Other(3 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 289 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.