| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREWS, WILLIAM J3 | PO BOX 819 CHERRYVILLE, NC 28021 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $76K | $0 | $76K | 3.21% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $13K | $0 | $13K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $9K | $0 | $9K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $11K | $0 | $11K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $8K | $0 | $8K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $10K | $0 | $10K | 15.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | $0 | $7K | 10.00% |
| SHERRY R CREWS3 Filed as: SHERRY CREWS | 2176 MOSTELLER ESTATE AVE SE HICKORY, NC 28602 | AFLAC | $3K | $182 | $3K | 7.19% |
| REBECCA K BOXFORD3 | 5205 DUSTY LN GRANITE FALLS, NC 28630 | AFLAC | $821 | $50 | $871 | 2.03% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $730 | $50 | $780 | 1.82% |
| AUDREY HESTER JENKINS3 Filed as: AUDREY MARIE HESTER | 505 HOKE ST LINCOLNTON, NC 28092 | AFLAC | $484 | $66 | $550 | 1.28% |
| AUDREY HESTER JENKINS3 | 2000 SALEM CHURCH RD LINCOLNTON, NC 28092 | AFLAC | $518 | $0 | $518 | 1.21% |
| CINDY K CHILDERS3 | 88 STARMOUNT LANE TAYLORSVILLE, NC 28681 | AFLAC | $471 | $0 | $471 | 1.10% |
| JADON BERNHARDT3 | 2139 6TH ST NW HICKORY, NC 28601 | AFLAC | $460 | $0 | $460 | 1.07% |
| NANCY HUFF3 | 131 PLANTATION RIDGE DR STE 310 MOORESVILLE, NC 28117 | AFLAC | $300 | $0 | $300 | 0.70% |
| C HARVEY KING3 | 931-B SOUTH MAIN ST #206 KERNERSVILLE, NC 27284 | AFLAC | $174 | $0 | $174 | 0.41% |
| NANCY C WINKLER3 | 5037 WALLACE CIR HICKORY, NC 28602 | AFLAC | $158 | $0 | $158 | 0.37% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $147 | $0 | $147 | 0.34% |
| GLORIA K KRISS3 | 913 42ND AVENUE LN NE HICKORY, NC 28601 | AFLAC | $93 | $0 | $93 | 0.22% |
| ANDREW T STORY3 | 3702 PINECREST DR NE HICKORY, NC 28601 | AFLAC | $44 | $0 | $44 | 0.10% |
| NICHOLAS R SAUNDERS3 | 59 LYNWOOD CIR ASHEVILLE, NC 28806 | AFLAC | $37 | $0 | $37 | 0.09% |
| TENA C DAVIS3 | PO BOX 1135 LENOIR, NC 28645 | AFLAC | $24 | $0 | $24 | 0.06% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $23 | $0 | $23 | 0.05% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGHT, NC 27615 | AFLAC | $23 | $0 | $23 | 0.05% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $22 | $0 | $22 | 0.05% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $22 | $0 | $22 | 0.05% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $18 | $0 | $18 | 0.04% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLATROCK, NC 28731 | AFLAC | $14 | $0 | $14 | 0.03% |
| KIMBRA K PENDLEY3 | 116 CRESTVIEW LANE MORGANTON, NC 28655 | AFLAC | $14 | $0 | $14 | 0.03% |
| TONY D MATTHEWS3 | 3260 WASHINGTON WAY HUDSON, NC 28638 | AFLAC | $12 | $0 | $12 | 0.03% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $12 | $0 | $12 | 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 | $6 | $0 | $6 | 0.01% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $4 | $0 | $4 | 0.01% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $3 | $0 | $3 | 0.01% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $3 | $0 | $3 | 0.01% |
| JULIE W CRAIG3 Filed as: JULIE E CRAIG | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $1 | $0 | $1 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $1 | $0 | $1 | 0.00% |
| JULIE W CRAIG3 | 5381 W HILLSBORO BLVD APT 108 COCONUT CREEK, FL 33073 | AFLAC | $1 | $0 | $1 | 0.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $9K | $0 | $9K | 38.42% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $8K | $0 | $8K | 33.62% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $2K | $0 | $2K | 10.00% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE CREWS-INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | USABLE LIFE | $286 | $0 | $286 | 15.01% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $191 | $0 | $191 | 10.03% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 262 | $2.4M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 262 | $2.4M |
| Life insurance | USABLE LIFE | 301 | $18K |
| Short-term disability | AFLAC | 66 | $43K |
| Long-term disability | USABLE LIFE | 115 | $66K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 262 | $2.4M |
| Other(5 contracts) | USABLE LIFE | 301 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.