| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN J PLASMAN | 628 GREEN VALLEY ROAD STE 306 GREENSBORO, NC 27408 | BLUE CROSS BLUE SHIELD | $38K | — | $38K | 3.44% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD | $15K | — | $15K | 14.37% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | THE HARTFORD | — | $7K | $7K | 6.50% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HUMANA | $11K | — | $11K | 11.92% |
| PIEDMONT BENEFITS GROUP, INC. Filed as: PIEDMONT BENEFITS GROUP | 1667 DAVIE AVENUE STATESVILLE, NC 28677 | HUMANA | $4K | — | $4K | 4.17% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 149 | $1.1M |
| Dental | HUMANA | 131 | $92K |
| Vision | BLUE CROSS BLUE SHIELD | 149 | $1.1M |
| Life insurance | THE HARTFORD | 161 | $103K |
| Short-term disability | THE HARTFORD | 161 | $103K |
| Long-term disability | THE HARTFORD | 161 | $103K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 149 | $1.1M |
| Other | THE HARTFORD | 161 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.