| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GW MOUNTCASTLE AGENCY INC.3 Filed as: GW MOUNTCASTLE AGENCY INC | PO BOX 1937 LEXINGTON, NC 27293 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 6.02% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $546 | $6K | 2.68% |
| GW MOUNTCASTLE AGENCY INC.3 | 307 WEST CENTER ST LEXINGTON, NC 27292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 9.47% |
| SCOTT BENEFIT SERVICES3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.46% |
| DIGITAL INSURANCE LLC3 | 899 CASSATT RD 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.94% |
| GW MOUNTCASTLE AGENCY INC.3 Filed as: GW MOUNTCASTLE AGENCY INC | PO BOX 1937 LEXINGTON, NC 27293 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 12.22% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $225 | $5K | 5.03% |
| G W MOUNTAINCASTLE AGENCY INC3 | 307 WEST CENTER ST LEXINGTON, NC 27292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.93% |
| SCOTT BENEFIT SERVICES3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.43% |
| DIGITAL INSURANCE LLC3 | 899 CASSATT RD 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.42% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY SUITE 800 ADDISON, TX 75001 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 6.90% |
| G W MOUNTAINCASTLE AGENCY INC3 | 307 WEST CENTER ST LEXINGTON, NC 27292 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.96% |
| SCOTT BENEFIT SERVICES3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $469 | — | $469 | 3.42% |
| DIGITAL INSURANCE LLC3 | 899 CASSATT RD 400 BERWYN PARK, STE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $334 | — | $334 | 2.43% |
| ACS BENEFIT SERVICES LLC3 Filed as: ACS BENEFIT SERVICES, LLC | 470 W. HANES MILL ROAD, SUITE 100 WINSTON SALEM, NC 27105 | TELADOC HEALTH, INC. | $2K | — | $2K | 32.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACS BENEFIT SERVICES, LLC CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 470 W. HANES MILL ROAD, SUITE 100 WINSTON SALEM, NC 27105 | $167K |
| MEDCOST BENEFIT SERVICES EIN 56-2056821 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $2K |
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 | 836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 496 | $80K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 799 | $224K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 702 | $37K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $80K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE COMPANY | 496 | $719K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 808 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 808 | — |
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."
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.