| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN WILLOUGHBY-RAY3 | 628 GREENVALLEY ROAD SUITE 306 GREENSBORO, NC 27408 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $42K | — | $42K | 5.15% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.89% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOT6T & SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 31.70% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 21.37% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.28% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 18.46% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $547 | $4K | 22.80% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $267 | $2K | 12.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $375 | $5K | 42.51% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $100K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 270 | $98K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 184 | $86K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 270 | $36K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 247 | $822K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 270 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.