| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | — | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $3K | — | $3K | 0.25% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $13K | $44K | 7.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $5K | $16K | 7.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $30 | $6K | 5.59% |
| GOODRUM, PHILLIP, PORTER3 Filed as: GOODRUM, PHILLIP PORTER | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.22% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD SUTIE 307 ATTN PHILLIP GOODRUM CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $27 | $864 | 0.81% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 200B NORTH CHARLESTON, SC 29418 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $498 | — | $498 | 0.47% |
| ASSUREX GLOBAL CORPORATION3 | SUITE 360 6620 MOONEY STREET DUBLIN, OH 43017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $25 | $25 | 0.02% |
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 | 1,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 63 | $1.2M |
| Dental(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 63 | $1.2M |
| Vision | SUPERIOR VISION PLAN | 1,224 | $130K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,827 | $635K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 361 | $233K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,827 | $869K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,827 | $849K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,827 | — |
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."
No prospect flags tripped on this filing.