| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 4.34% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | DELTA DENTAL OF NORTH CAROLINA | $25K | — | $25K | 7.64% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 4.21% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| E. CARTER WHITLEY3 | PO BOX 220748 CHARLOTTE, NC 28222 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $10K | — | $10K | 7.59% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURNACE SVCS USA INC. | 6100 FAIRVIEW RD. SUITE 1400 CHARLOTTE, NC 28222 | AMERITAS LIFE INSURANCE CORP | $4K | — | $4K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURNACE SVCS USA INC. | 5200 N PALM AVE STE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORP | — | $4K | $4K | 4.82% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | EYEMED VISION CARE | $9K | — | $9K | 17.13% |
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 | 1,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 592 | $138K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NORTH CAROLINA | 969 | $406K |
| Vision | EYEMED VISION CARE | 874 | $53K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,255 | $336K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 991 | $358K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 645 | $206K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 592 | $138K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 592 | $138K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,255 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,255 | — |
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."
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.