| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN L BICKLEY3 Filed as: BRYAN L. BICKLEY | PO BOX 10489 LYNCHBURG, VA 24506 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $130K | — | $130K | 13.82% |
| LISA A. MARTIN3 | 192 LIBERTY CHAPEL ROAD APPOMATTOX, VA 24522 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $6K | — | $6K | 0.59% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE ROAD STE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | $21K | $109K | 12.33% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 7.26% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 17.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $856 | — | $856 | 0.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.0M |
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 | 3,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 18 | $88K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,723 | $880K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,543 | $195K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,230 | $334K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,230 | $204K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 2,780 | $941K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,230 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,230 | — |
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.