| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $51K | $56K | 2.91% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $399 | — | $399 | 3.61% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $315 | — | $315 | 2.85% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $193 | — | $193 | 1.75% |
| GOODRUM, PHILLIP, PORTER3 | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 1.40% |
| SAGS JOINT VENTURE3 | SUITE 200 B 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $3K | — | $3K | 32.52% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $640 | $127 | $767 | 9.01% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $860 | — | $860 | 20.03% |
| JAMES A SCOTT & SON INC3 | P O BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $323 | $56 | $379 | 8.83% |
| SAGS JOINT VENTURE3 | SUITE 200 B 5264 INTERNATIONAL BOULVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $188 | — | $188 | 4.38% |
| SAGS JOINT VENTURE3 | 5264 INTERNATIONAL BOULEVARD SUITE 20 NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $451 | — | $451 | 19.98% |
| JAMES A SCOTT & SON INC3 | P O BOX 603438 CHARLOTTE, NC 28260 | UNUM INSURANCE COMPANY | $170 | $46 | $216 | 9.57% |
| SAGA JOINT VENTURE3 | SUITE 200 B 5264 INTERNATIONAL BOULEVARD NORTH CHARLESTON, SC 29418 | UNUM INSURANCE COMPANY | $170 | — | $170 | 7.53% |
| GOODRUM, PHILLIP, PORTER3 Filed as: GOODRUM, PHILLIP PORTER | 6230 FAIRVIEW ROAD SUITE 210 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | — | $60 | 4.15% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P O BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37 | — | $37 | 2.56% |
| IBENEFIT COMMUNICATION LLC3 | ATTN PHILLIP GOODRUM 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.97% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SON INC. | P O BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.97% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,176 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,176 | $1.9M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,176 | $1.9M |
| Other(6 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,176 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.