| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 4700 FALLS OF NUESE RALEIGH, NC 27609 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $94K | — | $94K | 6.37% |
| LAWYERS INSURANCE AGENCY, INC.3 Filed as: LAWYERS MUTUAL LIAB. INS CO OF NC | P.O. BOX 1929 CARY, NC 27512 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $31K | — | $31K | 2.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 4700 FALLS OF NUESE RALEIGH, NC 27609 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $8K | — | $8K | 6.38% |
| LAWYERS INSURANCE AGENCY, INC.3 Filed as: LAWYERS MUTUAL LIAB. INS. CO OF NC | PO BOX 1929 CARY, NC 27512 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | $3K | — | $3K | 2.13% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWYERS INSURANCE AGENCY EIN 56-1434415 NONE | Claims processing Service code 12 | — | $1.7M |
| BENEFITFOCUS EIN 57-1099948 NONE | Contract Administrator Service code 13 | — | $129K |
| BUSINESSSOLVER.COM, INC. EIN 42-1503807 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $76K |
| SCOTT BENEFIT SERVICES EIN 54-0372970 NONE | Consulting (pension) Service code 17 | — | $60K |
| MORGAN KEEGAN EIN 64-0474907 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $40K |
| CHERRY BEKAERT LLP EIN 56-0574444 NONE | Accounting (including auditing) Service code 10 | — | $34K |
| RUDD AND WISDOM, INC. EIN 74-1896655 NONE | Actuarial Service code 11 | — | $16K |
| PRIMEPAY, LLC EIN 03-0608841 NONE | Contract Administrator Service code 13 | — | $11K |
| EXPRESS SCRIPTS EIN 45-2884094 NONE | Contract Administrator Service code 13 | — | $9K |
| BCBS (UW FEES) EIN 56-0894904 NONE | Contract Administrator Service code 13 | — | $7K |
| ZD5 SOLUTIONS EIN 47-4564442 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $5K |
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 | 3,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 7,979 | $0 |
| Stop-loss / reinsurancereinsurance | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | 4,002 | $1.5M |
| Other(2 contracts) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG, PA | 4,002 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,979 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.