| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 2501 BLUE RIDGE RD., SUITE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | $124K | — | $124K | 6.77% |
| LAWYERS INSURANCE AGENCY, INC.3 | 8000 WESTON PKWY., SUITE 200 CARY, NC 27513 | HCC LIFE INSURANCE COMPANY | $39K | — | $39K | 2.12% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 2209 GODWIN AVE., SE GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.15% |
| LAWYERS INSURANCE AGENCY, INC.3 | 8000 WESTON PKWY., SUITE 200 CARY, NC 27513 | USABLE LIFE | $42K | — | $42K | 11.29% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $12K | — | $12K | 3.20% |
| LAWYERS INSURANCE AGENCY, INC.3 | 8000 WESTON PKWY., SUITE 200 CARY, NC 27513 | USABLE LIFE | $10K | — | $10K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LAWYERS INSURANCE AGENCY EIN 56-1434415 NONE | Claims processing Service code 12 | — | $1.9M |
| BENEFITFOCUS EIN 57-1099948 NONE | Contract Administrator Service code 13 | — | $241K |
| SCOTT INSURANCE EIN 54-0372970 NONE | Consulting (general) Service code 16 | — | $60K |
| MORGAN KEEGAN/RAYMOND JAMES EIN 64-0474907 NONE | Investment management Service code 28 | — | $43K |
| CHERRY BEKAERT LLP EIN 56-0574444 NONE | Accounting (including auditing) Service code 10 | — | $35K |
| RUDD AND WISDOM EIN 74-1896655 NONE | Actuarial Service code 11 | — | $13K |
| PRIMEPAY LLC EIN 03-0608841 NONE | Contract Administrator Service code 13 | — | $11K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 NONE | Insurance agents and brokers Service code 22 | — | $9K |
| TRAVIS SOFTWARE EIN 46-1673994 NONE | Contract Administrator Service code 13 | — | $6K |
| ZD5 SOLUTIONS EIN 47-4564442 NONE | Consulting (general) Service code 16 | — | $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 | 3,918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,959 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 8,322 | $1.8M |
| Life insurance(2 contracts) | USABLE LIFE | 3,863 | $433K |
| Short-term disability(2 contracts) | USABLE LIFE | 3,863 | $433K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 4,205 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,322 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.