| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: LISA MCKINNEY AND VARIOUS AGENTS | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $10K | $122 | $11K | 4.41% |
| ESTHER L. MEYERS3 Filed as: ESTHER L. MYERS | PO BOX 1193 CHEROKEE, NC 28719 | AFLAC | $9K | $293 | $10K | 4.07% |
| JANICE ADAMS3 Filed as: JANICE B. ADAMS | 209 WOODLAND COURT BLACK MOUNTAIN, NC 28711 | AFLAC | $7K | $276 | $8K | 3.21% |
| ERIC S RUSSELL3 Filed as: ERIC S. RUSSELL | 120 ROCKWOOD DRIVE HENDERSONVILLE, NC 28792 | AFLAC | $5K | $180 | $6K | 2.30% |
| SUSAN HAMER3 | 120 WEST ALLEN STREET, SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $4K | $184 | $4K | 1.82% |
| JANNEY HUSEBO3 Filed as: JANNEY A. HUSEBO | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $2K | $50 | $2K | 0.74% |
| JOSH FIELDS SERVICES INC3 Filed as: JOSH FIELDS SERVICES | 180 NORTH MAIN STREET, SUITE 8 WAYNESVILLE, NC 28786 | AFLAC | $2K | $59 | $2K | 0.72% |
| D. M. BURREL AND ASSOCIATES, INC.3 | PO BOX 868 WAYNESVILLE, NC 28786 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 7.46% |
| LYNN M. MCCLEOD3 | 93 SCHOOL HOUSE ROAD MILLS RIVER, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $369 | $3K | 1.62% |
| KIMBERLY C. GALLARDO3 | 224 BIG SPIDER ROAD SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $120 | $2K | 1.11% |
| SCOTT MATTHEW BOWLING3 | 1109 LUGANO DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $91 | $2K | 0.88% |
| ELIZABETH KOENIG3 | PO BOX 1177 ENKA, NC 28728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $174 | $1K | 0.67% |
| TERI C. JENKINSON3 | PO BOX 1943 SYLVA, NC 28779 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $658 | — | $658 | 0.37% |
| MJ INSURANCE3 Filed as: VANCE R. MOORE AND VARIOUS AGENTS | 2003 BRASSTOWN ROAD CULLOWHEE, NC 28723 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 0.23% |
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 | 2,098 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 3,350 | $133K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,103 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,103 | $1.5M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,103 | $1.5M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,103 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,103 | — |
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."
No prospect flags tripped on this filing.