| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW A ESTRELA3 Filed as: MATTHEW MERLETTI | 1529 ARMSCROFT LANE RALEIGH, NC 27607 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 3.30% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 11.24% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 7.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $612 | $612 | 1.16% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $500 | — | $500 | 0.95% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.62% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC D/B/A THREE | 306 WEST ERIE STREET SUITE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $692 | $155 | $847 | 1.95% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | — | $395 | $395 | 0.91% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $601 | — | $601 | 3.97% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $469 | — | $469 | 3.10% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | — | $373 | 2.46% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $351 | — | $351 | 2.32% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $215 | — | $215 | 1.42% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $185 | — | $185 | 1.22% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | 1419 CARISBROOKE DRIVE MEBANE, NC 27302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.56% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | 1419 CARISBROOKE DRIVE MEBANE, NC 27302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.30% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | 1419 CARISBROOKE DRIVE MEBANE, NC 27302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.11% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | 1419 CARISBROOKE DRIVE MEBANE, NC 27302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.09% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.07% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | 1419 CARISBROOKE DRIVE MEBANE, NC 27302 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| JOHN A SCOTT & SON INC DBA SCOTT IN3 | PO BOX 603438 CHARLOTTE, NC 28260 | COMMUNITY EYE CARE | $710 | — | $710 | — |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 91 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $43K |
| Vision | COMMUNITY EYE CARE | 105 | $0 |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 124 | $68K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $53K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 91 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 124 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.