| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT AND SON INC | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 3.79% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.80% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.79% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 13.63% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 14.24% |
| PREMIER BNFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTNEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | — | $18K | 31.43% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| THOMAS S HAISLOP3 | 530 A BYPASS 123 SENECA, SC 29678 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $441 | — | $441 | 0.79% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 13.83% |
| PREMIER BENFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 32.89% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.36% |
| THOMAS S HAISLOP3 | 530 A BYPASS 123 SENECA, SC 29678 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $359 | — | $359 | 0.86% |
| PREMIER BNFTS GROUP INC3 | 2925 SENNA DRIVE SUITE 105 MATTHEWS, NC 28105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 45.43% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 10.48% |
| THOMAS S HAISLOP3 | 530 A BYPASS 123 SENECA, SC 29678 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.15% |
| ASHLI GAINEY3 | 550 SHEPPARD PLANT ROAD CHINA GROVE, NC 28023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.13% |
| TIDEWATER FINANCIAL GROUP3 | 9625 KERR ROAD INDIAN TRAIL, NC 28079 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 301 | $163K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 277 | $46K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 353 | $134K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 354 | $112K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 354 | $73K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 199 | $568K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 353 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.