| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN WILLOUGHBY-RAY3 | 628 GREEN VALLEY ROAD, SUITE 306 WINSTON SALEM, NC 27105 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $15K | — | $15K | 19.03% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 628 GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INS CO | $5K | — | $5K | 25.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INS CO | — | $212 | $212 | 1.06% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX10489 LYNCHBURG, VA 24506 | METROPOLITAN LIFE INS CO | $2K | $313 | $3K | 13.57% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INS CO | $456 | — | $456 | 2.34% |
| JAMES A SCOTT & SON INC3 | PO BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INS CO | — | $80 | $80 | 0.41% |
| JAMES A SCOTT & SON INC3 | 628 GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INS CO | $3K | — | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INS CO | — | $190 | $190 | 1.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 628 GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 19.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $70 | $70 | 1.09% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | 628 GREEN VALLEY RD STE 306 GREENSBORO, NC 27408 | THE LINCOLN NATIONAL LIFE INS CO | $382 | — | $382 | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SVCS USA INC | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INS CO | — | $22 | $22 | 1.15% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 440 | $80K |
| Dental | METROPOLITAN LIFE INS CO | 250 | $19K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 440 | $80K |
| Life insurance | THE LINCOLN NATIONAL LIFE INS CO | 295 | $2K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INS CO | 219 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 296 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 440 | $80K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 440 | $80K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INS CO | 295 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.