| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | PO BOX 819 315 E. MAIN ST. CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | PO BOX 819 315 E. MAIN ST. CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY, INC | PO BOX 819 315 E. MAIN STREET CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS INSURANCE AGENCY INC. | PO BOX 819 CHERRYVILLE, NC 28021 | UNUM INSURANCE COMPANY | $3K | — | $3K | 7.77% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREW INSURANCE CREW, INC. | P0 BOX 819 315 E MAIN ST CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS INSURANCE AGENCY INC. | PO BOX 819 CHERRYVILLE, NC 28021 | UNUM INSURANCE COMPANY | $4K | — | $4K | 15.02% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 | PO BOX 819 315 E. MAIN ST. CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| JOHN HALL4 | 6809 TREE HILL RD. MATTHEWS, NC 28104 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $813 | — | $813 | 30.71% |
| CARLISA E BRYANT4 | 213 TWAIN AVE. DAVIDSON, NC 28036 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $30 | — | $30 | 1.13% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $74K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 279 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.