| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD SUITE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.82% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 15.98% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $7K | 24.81% |
| CONSOLIDATED PLANNING HOLDINGS3 | 6115 PARK SOUTH DRIVE SUITE 200 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.20% |
| C2 CENTRIC LLC3 | 11740 SOUTHWEST 68TH PARKWAY SUITE 2 PORTLAND, OR 97223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.12% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC DBA SCOTT B | PO BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.59% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $132K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 362 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 183 | $131K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $131K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 206 | $659K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 206 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.