| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $61K | — | $61K | 6.38% |
| LAWYERS INSURANCE AGENCY, INC.3 Filed as: LAWYERS INSURANCE AGENCY | 8000 WESTON PARKWAY, SUITE 200 CARY, NC 27513 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $20K | — | $20K | 2.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $17K | — | $17K | 6.38% |
| LAWYERS INSURANCE AGENCY, INC.3 Filed as: LAWYERS INSURANCE AGENCY | 8000 WESTON PARKWAY, SUITE 200 CARY, NC 27513 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $6K | — | $6K | 2.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 | Claims processing Service code 12 | — | $4.8M |
| LAWYERS INSURANCE AGENCY EIN 56-1434415 | Claims processing Service code 12 | — | $1.6M |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $140K |
| SCOTT BENEFIT SERVICES EIN 54-0372970 | Consulting (pension) Service code 17 | — | $119K |
| MORGAN KEEGAN EIN 64-0474907 | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $33K |
| JOHNSON LAMBERT LLP EIN 52-1446779 | Accounting (including auditing) Service code 10 | — | $32K |
| ZD5 SOLUTIONS EIN 47-4564442 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $18K |
| COBRA DIRECT EIN 20-4641141 | Claims processing Service code 12 | — | $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 | 3,658 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | 3,724 | $268K |
| Other(2 contracts) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | 3,724 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,724 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.