| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | DELTA DENTAL OF NORTH CAROLINA | $35K | — | $35K | 6.58% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 3.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 3.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 21.83% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | EYEMED VISION CARE | $12K | — | $12K | 13.33% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | MUTUAL OF OMAHA INSURANCE COMPANY | $419 | — | $419 | 10.00% |
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 | 1,875 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 616 | $364K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 2,204 | $538K |
| Vision | EYEMED VISION CARE | 1,951 | $93K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,286 | $429K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 986 | $412K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 581 | $226K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 616 | $364K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 616 | $364K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,286 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,204 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.