| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $4K | $34K | 8.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | STE 315 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | THE HARTFORD | $14K | $2K | $15K | 11.81% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | THE HARTFORD | — | $9K | $9K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | SUITE 315 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | THE HARTFORD | $7K | — | $7K | 5.05% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP INC | SUITE 101 18809 CATAWBA AVENUE CORNELIUS, NC 28031 | THE HARTFORD | $1 | — | $1 | 0.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | HUMANA | $7K | — | $7K | 6.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC. | STE 315 1901 ROXBOROUGH ROAD CHARLOTTE, NC 28211 | HUMANA | $4K | — | $4K | 3.34% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $384K |
| Dental | HUMANA | 150 | $112K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $384K |
| Life insurance | THE HARTFORD | 183 | $131K |
| Short-term disability | THE HARTFORD | 183 | $131K |
| Long-term disability | THE HARTFORD | 183 | $131K |
| Other | THE HARTFORD | 183 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.