| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY STANCIL3 Filed as: GREGORY D STANCIL | 628 GREEN VALLEY ROAD SUITE 306 GREENSBORO, NC 27407 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 6.10% |
| JAMESJAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 13.00% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $433 | $433 | 0.60% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $198 | — | $198 | 0.27% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 23.22% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $406 | $406 | 0.63% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $186 | — | $186 | 0.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.00% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | STARMOUNT LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $171 | $171 | 0.62% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $68 | — | $68 | 0.25% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | UNIT 208 648 VILLAGE PARK DRIVE WILMINGTON, NC 28405 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $24 | — | $24 | 1.70% |
| KEN WILLARD ASSOCIATES INC3 | 3071 VISTAPOINT ROAD MIDLOTHIAN, VA 23113 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $24 | — | $24 | 1.70% |
| OZMENT, SANDRA D3 | 1608 OAK STREET GREENSBORO, NC 27403 | PROVIDENT LIFE AND ACCIDENT INSRUANCE COMPANY | $1 | — | $1 | 0.07% |
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 | 139 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 128 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 228 | $64K |
| Short-term disability | STANDARD INSURANCE COMPANY | 119 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 228 | $28K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 139 | $568K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 228 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
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.