| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $10K | — | $10K | 10.64% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 6.25% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $309 | $2K | 5.60% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS DBA THREEFLOW | 306 W ERIE STREET STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $567 | — | $567 | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1213 W MOREHEAD STREET STE 410 CHARLOTTE, NC 28208 | METROPOLITAN LIFE INSURANCE COMPANY | $243 | — | $243 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 40 W MADISON 4TH FLOOR 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.17% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $567 | — | $567 | 8.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1213 W MOREHEAD STREET STE 400 CHARLOTTE, NC 28202 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $112 | — | $112 | 1.64% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 128 | $41K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 99 | $7K |
| Life insurance | USABLE LIFE | 157 | $91K |
| Short-term disability | USABLE LIFE | 157 | $91K |
| Long-term disability | USABLE LIFE | 157 | $91K |
| Other | USABLE LIFE | 157 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.