| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $29K | $35K | 2.43% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $16K | $20K | 1.41% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 800 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.24% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.26% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $1K | $189 | $1K | 17.26% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $11 | $4 | $15 | 0.20% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $966 | $161 | $1K | 16.82% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $30 | $10 | $40 | 0.60% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $93K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $93K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.4M |
| Other(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.