| 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 | $51K | $63K | 3.12% |
| SHERRY R CREWS3 Filed as: SHERRY CREWS | 2176 MOSTELLER ESTATE AVE SE HICKORY, NC 28602 | AFLAC | $4K | $107 | $4K | 9.35% |
| REBECCA K BOXFORD3 | 5205 DUSTY LN GRANITE FALLS, NC 28630 | AFLAC | $1K | $0 | $1K | 3.36% |
| AUDREY HESTER JENKINS3 Filed as: AUDREY MARIE HESTER | 505 HOKE ST LINCOLNTON, NC 28092 | AFLAC | $979 | $1 | $980 | 2.40% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $801 | $21 | $822 | 2.02% |
| CINDY K CHILDERS3 | 88 STARMOUNT LANE TAYLORSVILLE, NC 28681 | AFLAC | $432 | $0 | $432 | 1.06% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $294 | $21 | $315 | 0.77% |
| NANCY C WINKLER3 | 5037 WALLACE CIR HICKORY, NC 28602 | AFLAC | $271 | $0 | $271 | 0.66% |
| C HARVEY KING3 | 931-B SOUTH MAIN ST #206 KERNERSVILLE, NC 27284 | AFLAC | $185 | $0 | $185 | 0.45% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $132 | $0 | $132 | 0.32% |
| GLORIA K KRISS3 | 913 42ND AVENUE LN NE HICKORY, NC 28601 | AFLAC | $86 | $0 | $86 | 0.21% |
| NICHOLAS R SAUNDERS3 | 59 LYNWOOD CIR ASHEVILLE, NC 28806 | AFLAC | $54 | $0 | $54 | 0.13% |
| ANDREW T STORY3 | 3702 PINECREST DR NE HICKORY, NC 28601 | AFLAC | $41 | $0 | $41 | 0.10% |
| TENA C DAVIS3 | PO BOX 1135 LENOIR, NC 28645 | AFLAC | $26 | $0 | $26 | 0.06% |
| NICHOLAS R SAUNDERS3 | 7 PINE RIDGE DRIVE WEAVERVILLE, NC 28787 | AFLAC | $24 | $0 | $24 | 0.06% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD STE A HICKORY, NC 28601 | AFLAC | $22 | $0 | $22 | 0.05% |
| D AND V BUTLER INC3 | 601 CRESENT BLVD #102 RIDGELAND, MS 39157 | AFLAC | $21 | $0 | $21 | 0.05% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $21 | $0 | $21 | 0.05% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $21 | $0 | $21 | 0.05% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $20 | $0 | $20 | 0.05% |
| C HARVEY KING3 | 931-B SOUTH MAIN ST #206 KERNERSVILLE, NC 27284 | AFLAC | $20 | $0 | $20 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $20 | $0 | $20 | 0.05% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLATROCK, NC 28731 | AFLAC | $13 | $0 | $13 | 0.03% |
| KIMBRA K PENDLEY3 | 116 CRESTVIEW LANE MORGANTON, NC 28655 | AFLAC | $12 | $0 | $12 | 0.03% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $12 | $0 | $12 | 0.03% |
| TONY D MATTHEWS3 | 3260 WASHINGTON WAY HUDSON, NC 28638 | AFLAC | $11 | $0 | $11 | 0.03% |
| BOBBI KERR HASKINS3 | 1642 ROLLING LANE HICKORY, NC 28602 | AFLAC | $9 | $0 | $9 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $5 | $0 | $5 | 0.01% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $4 | $0 | $4 | 0.01% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $4 | $0 | $4 | 0.01% |
| JULIE W CRAIG3 Filed as: JULIE E CRAIG | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $2 | $0 | $2 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $1 | $0 | $1 | 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 | $825 | $0 | $825 | 10.00% |
| 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 | $807 | $0 | $807 | 10.00% |
| 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 | $559 | $0 | $559 | 10.01% |
| 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 | $63 | $0 | $63 | 3.02% |
| 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 | $140 | $0 | $140 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Contract Administrator Service code 13 | — | $47K |
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 | 251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 251 | $2.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5 | $2K |
| Short-term disability | AFLAC | 62 | $41K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.