| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL C CARTER | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $84K | — | $84K | 2.68% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON | 628 GREEN VALLEY ROAD GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $16K | $2K | $18K | 6.03% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $9K | — | $9K | 15.00% |
| MOSAIC GROUP SERVICES | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | USABLE LIFE | — | $193 | $193 | 0.34% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $5K | — | $5K | 10.00% |
| MOSAIC GROUP SERVICES | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $5K | — | $5K | 10.00% |
| MOSAIC GROUP SERVICES | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $4K | — | $4K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | EYEMED | $3K | — | $3K | 9.08% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | P.O. BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $32 | $11 | $43 | 4.51% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $1K | — | $1K | — |
| MOSAIC GROUP SERVICES Filed as: MOSAIC GROUP SERVICE | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $892 | — | $892 | — |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD. METAIRIE, LA 70002 | USABLE LIFE | — | $36 | $36 | — |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 211 | $3.1M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 209 | $291K |
| Vision | EYEMED | 210 | $37K |
| Life insurance(2 contracts) | USABLE LIFE | 214 | $90K |
| Short-term disability | USABLE LIFE | 151 | $55K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 214 | $53K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 211 | $3.1M |
| Other(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 214 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.