| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $76K | $3K | $79K | 15.52% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$1K | -$1K | -0.26% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $2K | $40K | 10.52% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$984 | -$984 | -0.26% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $3K | $29K | 11.04% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$1K | -$1K | -0.52% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $385 | $10K | 15.59% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$192 | -$192 | -0.29% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $172 | $3K | 10.57% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$86 | -$86 | -0.28% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD STREET SUITE 300 CHARLOTTE, NC 28202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $991 | $56 | $1K | 10.57% |
| C2 CENTRIC LLC3 | 2209 GODWIN AVENUE GRAND RAPIDS, MI 49507 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$28 | -$28 | -0.28% |
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 | 3,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 198 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,159 | $537K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,594 | $381K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,568 | $260K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 3,341 | $1.1M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,159 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,341 | — |
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.