Welfare broker

JAMES A SCOTT & SON INC

Mailing address (most recent filing)

PO BOX 603438

CHARLOTTE, NC 28260

Carrier mix

Where JAMES A SCOTT & SON INC places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
ANTHEM LIFE INSURANCE COMPANY	29	$45.9M	20.1%
HCC LIFE INSURANCE COMPANY	22	$22.4M	15.3%
CIGNA HEALTH AND LIFE INSURANCE COMPANY	21	$31.7M	14.6%
SUN LIFE ASSURANCE COMPANY OF CANADA	13	$12.1M	9.0%
BLUE CROSS OF CALIFORNIA	13	$41.2M	9.0%
HARTFORD LIFE AND ACCIDENT	11	$4.8M	7.6%
UNITEDHEALTHCARE INSURANCE COMPANY	10	$16.4M	6.9%
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	9	$2.6M	6.3%
UNUM LIFE INSURANCE COMPANY OF AMERICA	8	$4.8M	5.6%
QBE INSURANCE	8	$7.3M	5.6%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
VA	91	$111.9M	3.6%	20.17x
NC	77	$56.3M	3.2%	17.75x
SC	14	$38.6M	1.5%	8.42x
TN	10	$8.1M	0.6%	3.14x
OK	4	$895K	0.4%	2.38x
GA	3	$307K	0.0%	0.22x
FL	3	$739K	0.1%	0.37x
TX	1	$2.7M	0.0%	0.08x
NY	1	$3.8M	0.0%	0.10x
NJ	1	$2.0M	0.0%	0.22x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of JAMES A SCOTT & SON INC's plans by broker comp / premium ratio. Median 6.20% vs welfare-wide median 6.29% (n=206).

Prospect-flag exposure · vs market baseline

Share of JAMES A SCOTT & SON INC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

201-207 of 207 sponsors where JAMES A SCOTT & SON INC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
ELECTRIC SUPPLY AND EQUIPMENT COMPANY ELECTRIC SUPPLY AND EQUIPMENT COMPANY'S HEALTH AND WELFARE PLAN	NC	$25K	$3K	UNITED OF OMAHA LIFE INSURANCE COMPANY
MID-AMERICA DOOR COMPANY MID-AMERICA DOOR COMPANY SHORT TERM DISABILITY	OK	$43K	$3K	UNITED OF OMAHA LIFE INSURANCE COMPANY
ARTISTIC PAVERS, LLC ARTISTIC PAVERS, LLC ANCILLARY BENEFITS PLAN	FL	$18K	$2K	UNITED OF OMAHA LIFE INSURANCE COMPANY
T.W. FRIERSON CONTRACTOR, INC. T.W. FRIERSON CONTRACTOR, INC. EMPLOYEE BENEFITS PLAN	TN	$20K	$1K	CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES
MID-AMERICA DOOR COMPANY MID-AMERICA DOOR COMPANY LONG TERM DISABILITY	OK	$19K	$1K	UNITED OF OMAHA LIFE INSURANCE COMPANY
BELLOMY RESEARCH, INC. BELLOMY RESEARCH, INC. EMPLOYEE LIFE INSURANCE PLAN	NC	$4K	$611	UNITED OF OMAHA LIFE INSURANCE COMPANY
ZEIDERS ENTERPRISES, INC. ZEIDERS ENTERPRISES, INC. FLEXIBLE BENEFITS PLAN	VA	$976K	$0	ANTHEM BLUE CROSS AND BLUE SHIELD