| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL LITTLEJOHN & OTHER AGENTS3 | PO BOX 2082 CHEROKEE, NC 28719 | AFLAC | $9K | $227 | $9K | 4.61% |
| ESTHER L. MEYERS3 Filed as: ESTHER L. MYERS | PO BOX 1193 CHEROKEE, NC 28719 | AFLAC | $8K | $371 | $8K | 4.17% |
| JANICE ADAMS3 Filed as: JANICE B. ADAMS | 209 WOODLAND COURT BLACK MOUNTAIN, NC 28711 | AFLAC | $5K | $23 | $5K | 2.69% |
| SUSAN RUSSELL3 | 120 WEST ALLEN STREET, SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $3K | $114 | $3K | 1.68% |
| ERIC S RUSSELL3 Filed as: ERIC S. RUSSELL | 120 ROCKWOOD DRIVE HENDERSONVILLE, NC 28792 | AFLAC | $3K | $177 | $3K | 1.43% |
| JANICE R HUSEBO3 Filed as: JANICE R. AND JANNEY A. HUSEBO | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $2K | — | $2K | 0.93% |
| RALPH E RAESEMANN3 Filed as: RALPH RAESEMANN | 115 LARCHMONT DRIVE HENDERSONVILLE, NC 28791 | AFLAC | $1K | — | $1K | 0.70% |
| D. M. BURREL AND ASSOCIATES, INC.3 Filed as: D M BURREL AND ASSOCIATES, INC. | PO BOX 868 WAYNESVILLE, NC 28786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14K | — | $14K | 8.07% |
| LYNN M. MCCLEOD3 | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $239 | $3K | 1.54% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $47 | $2K | 1.03% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $32 | $1K | 0.68% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $705 | $165 | $870 | 0.50% |
| TERI C. JENKINSON3 | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $655 | — | $655 | 0.37% |
| MJ INSURANCE3 Filed as: SONIA R. PATTERSON & VARIOUS AGENTS | PO BOX 58 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $369 | $2 | $371 | 0.21% |
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 | 1,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 3,095 | $119K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,688 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,688 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,688 | $1.2M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,688 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,688 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.