| 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 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.99% |
| ALLAN BOYD3 | PO BOX 99062 RALEIGH, NC 27624 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.32% |
| LOUIS BARBER3 | 8588 CORDES CIRCLE GERMANTOWN, TN 38139 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $913 | — | $913 | 0.84% |
| JAMES HARRIS3 | 1121 24TH AVE NE HICKORY, NC 28601 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $589 | — | $589 | 0.54% |
| THE RAINMAKERS GROUP LTD3 | PO BOX 30100 WINSTON-SALEM, NC 27130 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $237 | — | $237 | 0.22% |
| COMMISSION RECEIVABLES FUND 1 LLC3 | PO BOX 31027 OMAHA, NE 68131 | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | $55 | — | $55 | 0.05% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MANHANTTAN LIFE ASSURANCE COMPANY OF AMERICA | 243 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.