| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 3.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.00% |
| UMR, INC.3 Filed as: UMR | 5151 PFEIFFER ROAD, ML 400 CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.65% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | ALLSTATE | $2K | — | $2K | 11.03% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 4700 FALLS OF NEUSE RD RALEIGH, NC 27609 | ALLSTATE | $902 | — | $902 | 5.14% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES INC | PO BOX 327 GARNER, NC 27529 | ALLSTATE | $451 | — | $451 | 6.39% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 4700 FALLS OF NEUSE RD RALEIGH, NC 27609 | ALLSTATE | $249 | — | $249 | 3.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $200K |
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 | 464 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | ALLSTATE | 55 | $25K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 725 | $255K |
| Vision | COMMUNITY EYE CARE | 580 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 619 | $62K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 464 | $41K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 416 | $464K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 497 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.