| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| PREMIER BNFTS GROUP INC3 | 9625 KERR ROAD INDIANA TRAIL, NC 28079 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 13.94% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.11% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $529 | — | $529 | 0.94% |
| AHL-ALLSTATE3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 0.33% |
| PREMIER BENFTS GROUP INC3 | 9625 KERR ROAD INDIAN TRAIL, NC 28079 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 14.42% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.21% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 0.56% |
| AHL-ALLSTATE3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 0.36% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| PREMIER BNFTS GROUP INC3 | 9625 KERR ROAD INDIAN TRAIL, NC 28079 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 18.34% |
| REDDEN INS AGENCY LLC3 | 7704 AUGUSTA ROAD UNIT A PIEDMONT, SC 29673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| TIDEWATER FINANCIAL GROUP3 | 1028 LEE ANN DRIVE NORTHEAST SUITE 305 CONCORD, NC 28025 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 0.72% |
| AHL-ALLSTATE3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $85 | — | $85 | 0.22% |
| ASHLI GAINEY3 | 550 SHEPPARD PLANT ROAD CHINA GROVE, NC 28023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.04% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 82 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $160K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 257 | $45K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $139K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $111K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $73K |
| Prescription drug | FLORIDA BLUE | 280 | $2.0M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 280 | $2.0M |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 316 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.