| 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 | $2K | — | $2K | 0.13% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | 1053 BULLARD COURT RALEIGH, NC 27615 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.70% |
| BALLANTYNE INSURANCE GROUP3 Filed as: BALLANTYNE INSURANCE GROUP, INC. | PO BOX 49068 CHARLOTTE, NC 28277 | TRANSAMERICA LIFE INSURANCE COMPANY | $346 | — | $346 | 0.50% |
| 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 | $4K | $333 | $4K | 7.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 485 N KELLER ROAD, STE 450 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST 3RD FLOOR CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $847 | $176 | $1K | 1.80% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 7.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 6003438 CHARLOTTE, NC 28260 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 STARCREST DRIVE CLEARWATER, FL 33765 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 4.70% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $773 | $773 | 1.37% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | 1301 OLD GRAVE MILL RD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | — | $722 | $722 | 1.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $69 | $69 | 0.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $40 | — | $40 | 0.07% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER RD GRIMESLAND, NC 27837 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $672 | $3K | 15.04% |
| SWIDPRO LLC3 | 4944 WINDY HILL DR STE A RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $597 | $2K | 9.07% |
| TODD GERALD GECEWICZ3 | 216 W GANNON AVE ZEBULON, NC 27597 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.04% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS INC | UNKNOWN RALEIGH, NC 27624 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 11.16% |
| AMERICAN UNITED LIFE3 | UNKNOWN INDIANAPOLIS, IN 46206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | — | $1K | 8.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DRIVE CLEARWATER, FL 33765 | COMMUNITY EYE CARE | $426 | — | $426 | 4.18% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 116 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 143 | $57K |
| Vision | COMMUNITY EYE CARE | 115 | $10K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 156 | $125K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 28 | $13K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 106 | $57K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 156 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
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.