| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MELISSA SWARD3 | 4461 NORTHEAST 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $183 | $6K | 4.68% |
| PETER MICHAEL FOLEY JR3 | 150 PAMPLICO LANE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $297 | $3K | 2.86% |
| CAROLINA BENEFITS SOURCE INC3 | 4461 NORTHEAST 30TH AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.04% |
| DAVID MASON DOKELL3 | 159 BEACON DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $523 | $86 | $609 | 0.52% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY SOUTH BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $67 | $406 | 0.34% |
| MARK BRANNON SWARD3 | 8230 CARTER CREEK DRIVE CHARLOTTE, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 0.29% |
| TUCKER RYAN SWARD3 | 200 WILBY DRIVE CHARLOTTE, NC 28270 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $259 | $11 | $270 | 0.23% |
| JESSE ARON SWARD3 | 4461 NORTHEAST 30 AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $65 | $236 | 0.20% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DRIVE GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | — | $226 | 0.19% |
| BETTER CHOICE HEALTH LLC3 | 4461 NORTHEAST 30 AVENUE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.14% |
| GREGORY EMANUEL PROVENZANO3 | 17523 SHEARER ROAD DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $18 | $49 | 0.04% |
| LAURIE J BURNS3 | 15 CEDARS EDGE COURT BLUFFTON, SC 29910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | AMERITAS LIFE INSURANCE CORP. | $7K | $184 | $7K | 10.28% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. DBA SCOT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. DBA SCOT | PO BOX 603438 CHARLOTTE, NC 28260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 16.28% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 110 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 188 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $13K |
| Long-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 57 | $118K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.