| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.80% |
| SHERRY R CREWS3 Filed as: SHERRY CREWS | 2176 MOSTELLER ESTATE AVE SE HICKORY, NC 28602 | AFLAC | $4K | $228 | $4K | 10.33% |
| NANCY C WINKLER3 Filed as: NANCY WINKLER | 5037 WALLACE CIRCLE HICKORY, NC 28602 | AFLAC | $1K | $63 | $1K | 2.65% |
| GWEN NICHOLS BUTLER3 | 1440 OLD LENOIR ROAD STE D HICKORY, NC 28601 | AFLAC | $740 | $58 | $798 | 1.90% |
| REBECCA K BOXFORD3 Filed as: REBECCA BOXFORD | 5205 DUSTY LANE GRANITE FALLS, NC 28630 | AFLAC | $750 | $45 | $795 | 1.90% |
| NANCY HUFF3 | 413 N CENTER STREET STATESVILLE, NC 28677 | AFLAC | $691 | $0 | $691 | 1.65% |
| CINDY K CHILDERS3 Filed as: CINDY CHILDERS | 88 STARMOUNT LANE TAYLORSVILLE, NC 28681 | AFLAC | $679 | $0 | $679 | 1.62% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $225 | $58 | $283 | 0.68% |
| C HARVEY KING3 | PO BOX 1370 MT PLEASANT, SC 29465 | AFLAC | $278 | $0 | $278 | 0.66% |
| ANDREW T STORY3 | 2066 EVERGREEN DRIVE NEWTON, NC 28658 | AFLAC | $177 | $0 | $177 | 0.42% |
| GLORIA K KRISS3 | 913 42ND AVENUE LN NE HICKORY, NC 28601 | AFLAC | $117 | $0 | $117 | 0.28% |
| NICHOLAS R SAUNDERS3 | 7 PINE RIDGE DRIVE WEAVERVILLE, NC 28787 | AFLAC | $111 | $0 | $111 | 0.26% |
| TENA C DAVIS3 | PO BOX 1135 LENOIR, NC 28645 | AFLAC | $71 | $13 | $84 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $44 | $0 | $44 | 0.10% |
| RICHARD A MODICA3 | 3622 DERBY DRIVE ROANOKE, VA 24012 | AFLAC | $43 | $0 | $43 | 0.10% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $30 | $0 | $30 | 0.07% |
| TONY D MATTHEWS3 | 3260 WASHINGTON WAY HUDSON, NC 28638 | AFLAC | $30 | $0 | $30 | 0.07% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $29 | $0 | $29 | 0.07% |
| KIMBRA K PENDLEY3 | 116 CRESTVIEW LANE MORGANTON, NC 28655 | AFLAC | $28 | $0 | $28 | 0.07% |
| D AND V BUTLER INC3 | 601 CRESENT BLVD #102 RIDGELAND, MS 39157 | AFLAC | $27 | $0 | $27 | 0.06% |
| JUDY B ANDERSON3 | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $23 | $0 | $23 | 0.05% |
| RICHARDS SMITHSON3 | 449 TIMBER PLACE MILTON, GA 30004 | AFLAC | $21 | $0 | $21 | 0.05% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $16 | $0 | $16 | 0.04% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLATROCK, NC 28731 | AFLAC | $14 | $0 | $14 | 0.03% |
| JOANNE SCHERER3 | 1028 WATER LANE JONESVILLE, NC 28642 | AFLAC | $12 | $0 | $12 | 0.03% |
| MELVIN R JONES3 | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $12 | $0 | $12 | 0.03% |
| BOBBI KERR HASKINS3 | 1642 ROLLING LANE HICKORY, NC 28602 | AFLAC | $10 | $0 | $10 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $5 | $0 | $5 | 0.01% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES R HILL SR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $3 | $0 | $3 | 0.01% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $3 | $0 | $3 | 0.01% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $959 | $5K | 12.61% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $426 | $2K | 12.27% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $385 | — | $385 | 5.00% |
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 | 273 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 220 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $19K |
| Short-term disability | AFLAC | 58 | $42K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 220 | $1.5M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 273 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.