| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL C CARTER | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $76K | — | $76K | 2.71% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT AND SON | 628 GREEN VALLEY ROAD GREENSBORO, NC 27408 | DELTA DENTAL OF NORTH CAROLINA | $19K | $0 | $19K | 6.86% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE | $7K | — | $7K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE | $5K | — | $5K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $10K | — | $10K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $6K | — | $6K | 10.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $6K | — | $6K | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 24502 | USABLE LIFE | $4K | — | $4K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $844 | $4K | 9.06% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 CHARLESTON, SC 29406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 7.95% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 9.87% |
| THREEFLOW | 306 W ERIE STREET SUITE 300 CHICAGO, IL 60654 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE CO. | — | $1K | $1K | 2.99% |
| THREEFLOW | 227 W MONROE STREET SUITE 5200 CHICAGO, IL 60654 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE CO. | — | $467 | $467 | 1.22% |
| THREEFLOW | 306 W ERIE STREET CHICAGO, IL 60654 | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE CO. | — | $41 | $41 | 0.11% |
| 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 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 7.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | USABLE LIFE | $1K | — | $1K | 15.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $930 | — | $930 | 10.00% |
| JAMES A SCOTT & SON INC Filed as: JAMES A SCOTT & SON | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT COMPANY | $241 | $87 | $328 | 14.35% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 CHARLESTON, SC 29406 | PROVIDENT LIFE AND ACCIDENT COMPANY | $99 | — | $99 | 4.33% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 240 | $2.8M |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 493 | $283K |
| Vision | EYEMED VISION CARE O/B/O FIDELITY SECURITY LIFE INSURANCE CO. | 504 | $38K |
| Life insurance(2 contracts) | USABLE LIFE | 248 | $100K |
| Long-term disability | USABLE LIFE | 252 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 240 | $2.8M |
| Other(6 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 253 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.