| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PL STE 202 CHARLOTTE, NC 28262 | UNITEDHEALTHCARE INSURANCE COMPANY | $712 | $36K | $37K | 4.43% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $246 | $7K | $7K | 0.89% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PLACE CHARLOTTE, NC 28262 | DELTA DENTAL OF NORTH CAROLINA | $8K | — | $8K | 7.98% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | DELTA DENTAL OF NORTH CAROLINA | $2K | — | $2K | 2.08% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 J N PEASE PLACE CHARLOTTE, NC 28262 | DELTA DENTAL OF NORTH CAROLINA | $6K | — | $6K | 8.69% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT BENEFIT SERVICE PO BOX 10489 LYNCHBURG, VA 24506 | UNITEDHEALTHCARE INSURANCE COMPANY | $371 | — | $371 | 1.62% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $2K | — | $2K | 12.40% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $2K | — | $2K | 10.00% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | USABLE LIFE | $498 | — | $498 | 2.60% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $2K | — | $2K | 10.00% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $852 | — | $852 | 8.30% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $513 | — | $513 | 5.00% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | USABLE LIFE | $175 | — | $175 | 1.70% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $985 | — | $985 | 10.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27707 | USABLE LIFE | $492 | — | $492 | 4.99% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $547 | — | $547 | 7.98% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PLEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $517 | — | $517 | 7.54% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $39 | — | $39 | 0.57% |
| RM BEASLEY & ASSOCIATES INC3 Filed as: RM BEASLEY & ASSOCIATES | 1981 JN PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | 1-800MD, LLC | $2K | — | $2K | 40.29% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $124 | — | $124 | 6.94% |
| RM BEASLEY & ASSOCIATES INC3 | 1981 JN PLEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | USABLE LIFE | $102 | — | $102 | 5.70% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $16 | — | $16 | 0.89% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $833K |
| Dental(2 contracts) | DELTA DENTAL OF NORTH CAROLINA | 248 | $167K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $833K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $23K |
| Long-term disability(2 contracts) | USABLE LIFE | 138 | $20K |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 138 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.