| 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 28021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $40K | $52K | 2.78% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28078 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| SHERRY R CREWS3 Filed as: SHERRY CREWS | 2176 MOSTELLER ESTATE AVE SE HICKORY, NC 28602 | AFLAC | $3K | $247 | $4K | 8.19% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $680 | $49 | $729 | 1.68% |
| GWEN NICHOLS BUTLER3 | 1440 OLD LENOIR ROAD STE D HICKORY, NC 28601 | AFLAC | $580 | $61 | $641 | 1.47% |
| REBECCA K BOXFORD3 | 5205 DUSTY LN GRANITE FALLS, NC 28630 | AFLAC | $576 | $0 | $576 | 1.33% |
| NANCY C WINKLER3 | 5037 WALLACE CIR HICKORY, NC 28602 | AFLAC | $455 | $60 | $515 | 1.18% |
| CINDY K CHILDERS3 | 88 STARMOUNT LANE TAYLORSVILLE, NC 28681 | AFLAC | $512 | $0 | $512 | 1.18% |
| C HARVEY KING3 | 931-B SOUTH MAIN ST #206 KERNERSVILLE, NC 27284 | AFLAC | $248 | $0 | $248 | 0.57% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $187 | $0 | $187 | 0.43% |
| GLORIA K KRISS3 | 913 42ND AVENUE LN NE HICKORY, NC 28601 | AFLAC | $115 | $0 | $115 | 0.26% |
| REBECCA K BOXFORD3 | 5205 DUSTY LN GRANITE FALLS, NC 28630 | AFLAC | $107 | $0 | $107 | 0.25% |
| NICHOLAS R SAUNDERS3 | 7 PINE RIDGE DRIVE WEAVERVILLE, NC 28787 | AFLAC | $105 | $0 | $105 | 0.24% |
| ANDREW T STORY3 | 3702 PINECREST DR NE HICKORY, NC 28601 | AFLAC | $72 | $12 | $84 | 0.19% |
| TENA C DAVIS3 | PO BOX 1135 LENOIR, NC 28645 | AFLAC | $49 | $0 | $49 | 0.11% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $32 | $0 | $32 | 0.07% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $27 | $0 | $27 | 0.06% |
| D AND V BUTLER INC3 | 601 CRESENT BLVD #102 RIDGELAND, MS 39157 | AFLAC | $25 | $0 | $25 | 0.06% |
| C HARVEY KING3 | PO BOX 1370 MT PLEASANT, SC 29465 | AFLAC | $20 | $0 | $20 | 0.05% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $17 | $0 | $17 | 0.04% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLATROCK, NC 28731 | AFLAC | $15 | $0 | $15 | 0.03% |
| KIMBRA K PENDLEY3 | 116 CRESTVIEW LANE MORGANTON, NC 28655 | AFLAC | $15 | $0 | $15 | 0.03% |
| TONY D MATTHEWS3 | 3260 WASHINGTON WAY HUDSON, NC 28638 | AFLAC | $14 | $0 | $14 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $13 | $0 | $13 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $11 | $0 | $11 | 0.03% |
| BOBBI KERR HASKINS3 | 1642 ROLLING LANE HICKORY, NC 28602 | AFLAC | $10 | $0 | $10 | 0.02% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $7 | $0 | $7 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $5 | $0 | $5 | 0.01% |
| DEBORAH A WITHEY3 | 2155 6TH ST NW HICKORY, NC 28601 | AFLAC | $4 | $0 | $4 | 0.01% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $1 | $0 | $1 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | $0 | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | $0 | $1 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE E CRAIG | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $0 | $0 | $0 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $0 | $0 | $0 | 0.00% |
| EXSPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $0 | $0 | $0 | 0.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.24% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INS AGY INC | PO BOX 819 CHERRYVILLE, NC 28021 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $1.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $17K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $118K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.