| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON | PO BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD | — | $18K | $18K | 15.43% |
| MOSAIC GROUP SERVICES3 | 4611 UNIVERSITY DRIVE DURHAM, NC 27701 | THE HARTFORD | — | $8K | $8K | 7.00% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | 18809 W CATAWBA AVENUE SUITE 101 CORNELIUS, NC 28031 | THE HARTFORD | — | $105 | $105 | 0.09% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HUMANA | — | $10K | $10K | 9.96% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA | — | $10K | $10K | 13.82% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 145 | $73K |
| Dental | HUMANA | 144 | $105K |
| Vision | CIGNA | 145 | $73K |
| Life insurance | THE HARTFORD | 179 | $118K |
| Short-term disability | THE HARTFORD | 179 | $118K |
| Long-term disability | THE HARTFORD | 179 | $118K |
| Other | THE HARTFORD | 179 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.