| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON, INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.28% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.99% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.11% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $726 | $3K | 5.52% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | PO BOX 603438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $6K | $366 | $6K | 12.15% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 7.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $39 | $318 | $357 | 0.70% |
| SCOTT BENEFIT SERVICES3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $259 | $2K | 29.32% |
| SWIDPRO LLC3 Filed as: SWIDPRO, LLC | 2025 LONESOME DOVE DRIVE FRANKLINTON, NC 27525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $839 | $2K | 24.14% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.17% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $337 | $3K | 38.29% |
| SWIDPRO LLC3 | 2025 LONESOME DOVE DRIVE FRANKLINTON, NC 27525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 29.97% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| STOVALL & ASSOCIATES INC.4 | 114 MARITIME CT CHOCOWINITY, NC 27817 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $163 | — | $163 | 5.97% |
| LENWOOD MURPHY JR.4 | 1703 SUNSET AVE KINSTON, NC 28504 | LEGAL SHIELD SERVICES INC DBA LEGAL SHIELD | $160 | — | $160 | 5.86% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 109 | $898K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $61K |
| Vision | COMMUNITY EYE CARE | 117 | $10K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 109 | $132K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 96 | $51K |
| Other(5 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 109 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.