| 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 | $45K | — | $45K | 7.38% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 3.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | — | $25K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | — | $37K | 17.36% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | P.O. BOX 819 CHERRYVILLE, NC 28021 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,804 | $605K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,194 | $121K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,579 | $547K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,076 | $533K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 647 | $367K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,579 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,804 | — |
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.