| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL CARTER3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27601 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $113K | — | $113K | 2.61% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 628 GREEN VALLEY ROAD APT 306 GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $30K | $0 | $30K | 6.85% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 701 COOL SPRING BLVD FRANKLIN, TN 37067 | USABLE LIFE | $9K | — | $9K | 9.86% |
| MOSAIC GROUP SERVICES4 | P.O. BOC 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 6.90% |
| JAMES A SCOTT & SON INC3 | 701 COOL SPRINGS BLVD. FRANKLIN, TN 37067 | USABLE LIFE | $8K | — | $8K | 9.80% |
| MOSAIC GROUP SERVICES4 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 6.86% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 701 COOL SPRINGS BLVD. FRANKLIN, TN 37067 | USABLE LIFE | $10K | — | $10K | 14.98% |
| MOSIAC GROUP SERVICES4 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | — | $7K | 9.98% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 701 COOL SPRINGS BLVD SUITE 200 FRANKLIN, TN 37067 | USABLE LIFE | $6K | — | $6K | 9.75% |
| MOSAIC GROUP SERVICES4 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 6.82% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 2501 BLUE RIDGE RD. STE 250 RALEIGH, NC 27607 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | — | $6K | 12.61% |
| THREEFLOW4 | 306 W. ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $0 | $93 | $93 | 0.20% |
| JAMES A SCOTT & SON INC3 | P.O. BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 14.70% |
| ASSUREX GLOBAL CORPORATION4 Filed as: ASSUREX GLOBAL | 6620 MOONEY STREET STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | P.O. BOX 2158 RIVERSIDE, CA 92516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.30% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 8.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | P.O. BOX 2158 RIVERSIDE, CA 92516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.13% |
| ASSUREX GLOBAL CORPORATION4 Filed as: ASSUREX GLOBAL | 6620 MOONEY STREET STE 360 DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $76 | $76 | 0.31% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 701 COOL SPRINGS BLVD. FRANKLIN, TN 37067 | USABLE LIFE | $2K | — | $2K | 14.71% |
| MOSAIC GROUP SERVICES4 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 9.81% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 408 | $4.3M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 408 | $439K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 413 | $46K |
| Life insurance(2 contracts) | USABLE LIFE | 418 | $125K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 240 | $143K |
| Long-term disability | USABLE LIFE | 422 | $82K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 408 | $4.3M |
| Other(2 contracts) | USABLE LIFE | 418 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.