| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $2K | $7K | 0.43% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | STANDARD INSURANCE COMPANY | $23K | — | $23K | 12.47% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $799 | $234 | $1K | 11.31% |
| JAMES A SCOTT & SON INC3 | DBA SCOTT INSURANCE CHARLOTTE, NC 28260 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $762 | — | $762 | 8.34% |
| NANCY BAUCOM3 | 940-12 JETTON ST DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $400 | $15 | $415 | 4.54% |
| PATRICIA L CARON3 | 190 TESUQUE VILLAGE ROAD SANTE FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | $55 | $208 | 2.28% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $2 | $198 | 2.17% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $18 | $159 | 1.74% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $5 | $74 | 0.81% |
| KJELL T TERRELL3 | 327 GOLF COURSE DR RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $4 | $57 | 0.62% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT I INC | 248 RIVERWOOD DRIVE LEWISVILLE, NC 27023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.16% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| DONNA N DWYER3 | 1540 WESTBROOK PLAZA DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| DELWIN ALONZO CLARK3 | 5100 TRINITY GATE LN APT 304 RALEIGH, NC 27607 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 320 | $184K |
| Short-term disability | STANDARD INSURANCE COMPANY | 320 | $184K |
| Long-term disability | STANDARD INSURANCE COMPANY | 320 | $184K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.7M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.