| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 521 EAST MOREHEAD STREET, SUITE 300 CHARLOTTE, NC 28202 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $48K | — | $48K | 6.42% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 15.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.18% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS, LLC. | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $950 | $950 | 1.45% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28202 | DELTA DENTAL OF MISSOURI | $3K | $0 | $3K | 10.01% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.24% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 23127 COLUMBIA, SC 29224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.05% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON, INC. | PO BOX 603438 CHARLOTTE, NC 28260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $717 | $0 | $717 | 2.75% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | LEGAL SHIELD | $244 | $0 | $244 | 11.89% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY, LLC | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 37211 | LEGAL SHIELD | $206 | $0 | $206 | 10.03% |
| JAMES A SCOTT & SON INC4 Filed as: JAMES A. SCOTT & SON, INC. | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | LEGAL SHIELD | $122 | $0 | $122 | 5.94% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 92 | $754K |
| Dental | DELTA DENTAL OF MISSOURI | 97 | $33K |
| Vision | DELTA DENTAL OF MISSOURI | 97 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 252 | $66K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $66K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $66K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 255 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.