| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY | PO BOX 819 CHERRYVILLE, NC 28021 | MANHATTAN LIFE INSURANCE AND ANNUITY COMPANY | $11K | — | $11K | 22.29% |
| LOUIS BARBER3 | 8588 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHATTAN LIFE INSURANCE AND ANNUITY COMPANY | $982 | — | $982 | 2.01% |
| ALLAN BOYD3 | PO BOX 99062 RALEIGH, NC 27624 | MANHATTAN LIFE INSURANCE AND ANNUITY COMPANY | $938 | — | $938 | 1.92% |
| JAMES HARRIS3 | 1121 24TH AVE NE HICKORY, NC 28601 | MANHATTAN LIFE INSURANCE AND ANNUITY COMPANY | $297 | — | $297 | 0.61% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MANHATTAN LIFE INSURANCE AND ANNUITY COMPANY | 215 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.