| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $985 | $30K | $31K | 3.60% |
| RM BEASLEY & ASSOCIATES INC3 Filed as: R M BEASLEY & ASSOCIATES INC | 1981 J NORTH PEASE PLACE SUITE 202 CHARLOTTE, NC 28262 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3 | -$143 | -$146 | -0.02% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 4700 FALLS OF NEUSE ROAD SUITE 320 RALEIGH, NC 27609 | DELTA DENTAL OF NORTH CAROLINA | $10K | — | $10K | 9.92% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC - DBA SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $4K | — | $4K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | — | $3K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT B | PO BOX 603438 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC - DBA SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $1K | — | $1K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $618 | — | $618 | 5.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC - DBA SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $544 | — | $544 | 8.55% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $497 | — | $497 | 7.81% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT | PO BOX 603438 CHARLOTTE, NC 28260 | 1-800MD, LLC | $2K | — | $2K | 43.79% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC - DBA SCOTT | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $212 | — | $212 | 10.32% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $194 | — | $194 | 9.44% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $864K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 251 | $103K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 261 | $864K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $23K |
| Short-term disability | USABLE LIFE | 68 | $26K |
| Long-term disability | USABLE LIFE | 146 | $12K |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.