| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON, INC. | DBA SCOTT INSURANCE 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | — | $2K | $2K | 0.44% |
| C2 CENTRIC LLC3 Filed as: C2 CENTRIC, LLC | 2209 GODWIN AVENUE SE GRAND RAPIDS, MI 49507 | HCC LIFE INSURANCE COMPANY | — | $898 | $898 | 0.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | AETNA LIFE INSURANCE COMPANY | $26K | — | $26K | 17.47% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 11.81% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INS CO OF AMERICA | $6K | — | $6K | 20.00% |
| CONSOLIDATED PLANNING HOLDINGS3 | 4201 CONGRESS ST, #295 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INS CO OF AMERICA | $63 | — | $63 | 0.20% |
| C2 CENTRIC LLC3 | 11740 SW 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INS CO OF AMERICA | $32 | — | $32 | 0.10% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | HCC LIFE INSURANCE COMPANY | — | $623 | $623 | 2.49% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON DBA SCOTT BENEF | 628 GREEN VALLEY ROAD, SUITE 306 GREENSBORO, NC 27407 | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.88% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 466 | $118K |
| Vision | EYEMED VISION ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 294 | $20K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 194 | $148K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 194 | $148K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 194 | $148K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 174 | $406K |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 194 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.