| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 521 E MOREHEAD ST, SUITE 300 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 2.63% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.29% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.86% |
| UMR, INC.3 | 115 W WASUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 0.47% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | TOKIO MARINE HCC - A&H GROUP | $4K | — | $4K | 2.00% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | TOKIO MARINE HCC - A&H GROUP | $2K | — | $2K | 1.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 521 E MOREHEAD ST, SUITE 300 CHARLOTTE, NC 28202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 10.00% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.50% |
| C2 CENTRIC LLC3 | PO BOX 6824 GRAND RAPIDS, MI 49516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $575 | $575 | 0.31% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 9.96% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 11.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.50% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.06% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $465 | $3K | 11.77% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 W ERIE ST, SUITE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $395 | — | $395 | 1.50% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY | $2K | $234 | $3K | 11.80% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY | $2K | $176 | $2K | 7.73% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD, SUITE 200 NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY | $98 | — | $98 | 0.43% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY | $3K | $215 | $3K | 14.58% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY | $1K | $174 | $2K | 7.84% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD, SUITE 200 NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY | $50 | — | $50 | 0.25% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY | $2K | $144 | $2K | 11.59% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY | $1K | $151 | $1K | 7.52% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BLVD, SUITE 200 NORTH CHARLESTON, SC 29418 | UNUM LIFE INSURANCE COMPANY | $165 | — | $165 | 0.83% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P.O. BOX 603438 CHARLOTTE, NC 28260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $23 | — | $23 | 20.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $176K |
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 | 601 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 413 | $183K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 410 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 601 | $105K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 327 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 601 | $105K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 381 | $722K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 601 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.