| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY, INC | P.O. BOX 819 CHERRYVILLE, NC 28021 | DELTA DENTAL OF NORTH CAROLINA | $21K | — | $21K | 6.53% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $13K | 6.19% |
| BYNUM R TUTTLE JR3 Filed as: BYNUM R. TUTTLE JR. | P.O. BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $975 | $975 | 0.48% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 5.46% |
| BYNUM R TUTTLE JR3 Filed as: BYNUM R. TUTTLE JR. | P.O. BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $563 | $563 | 0.29% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 16.72% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | EYEMED VISION CARE | $9K | — | $9K | 14.92% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 10.38% |
| BYNUM R TUTTLE JR3 Filed as: BYNUM R. TUTTLE JR. | P.O. BOX 1110 DENTON, NC 27239 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $478 | $478 | 0.82% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS. AGENCY INC. | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $681 | $6K | 22.61% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 956 | $326K |
| Vision | EYEMED VISION CARE | 877 | $58K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,178 | $220K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 584 | $204K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 331 | $133K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,178 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.