| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $71K | $85K | 3.79% |
| JUSTICE-CREWS INSURANCE AGENCY INC.3 Filed as: JUSTICE-CREWS INSURANCE AGENCY INC | PO BOX 819 CHERRYVILLE, NC 28021 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 12.10% |
| SHERRY R CREWS3 | 2176 MOSTELLER ESTATE AVE SE HICKORY, NC 28602 | AFLAC | $1K | $0 | $1K | 4.44% |
| REBECCA K BOXFORD3 | 5205 DUSTY LN GRANITE FALLS, NC 28630 | AFLAC | $648 | $0 | $648 | 2.06% |
| CINDY K CHILDERS3 | 88 STARMOUNT LN TAYLORSVILLE, NC 28681 | AFLAC | $391 | $0 | $391 | 1.24% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $315 | $0 | $315 | 1.00% |
| AUDREY HESTER JENKINS3 | 2000 SALEM CHURCH RD LINCOLNTON, NC 28092 | AFLAC | $180 | $0 | $180 | 0.57% |
| C HARVEY KING3 | 931 S MAIN ST STE B #206 KERNERSVILLE, NC 27284 | AFLAC | $156 | $0 | $156 | 0.50% |
| NANCY HUFF3 | 306 BARBEE BLVD OAK ISLAND, NC 28466 | AFLAC | $136 | $0 | $136 | 0.43% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $123 | $0 | $123 | 0.39% |
| NANCY C WINKLER3 | 5037 WALLACE CIR HICKORY, NC 28602 | AFLAC | $110 | $0 | $110 | 0.35% |
| GLORIA K KRISS3 | 913 42ND AVE LN NE HICKORY, NC 28601 | AFLAC | $77 | $0 | $77 | 0.24% |
| JADON BERNHARDT3 | 2139 6TH ST NW HICKORY, NC 28601 | AFLAC | $61 | $0 | $61 | 0.19% |
| ANDREW T STORY3 | 3702 PINECREST DR NE HICKORY, NC 28601 | AFLAC | $41 | $0 | $41 | 0.13% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $23 | $0 | $23 | 0.07% |
| NICHOLAS R SAUNDERS3 | 471 BLUEMIST WAY ARDEN, NC 28704 | AFLAC | $20 | $0 | $20 | 0.06% |
| TENA C DAVIS3 | PO BOX 1135 LENOIR, NC 28645 | AFLAC | $18 | $0 | $18 | 0.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JOHN H BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $18 | $0 | $18 | 0.06% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $17 | $0 | $17 | 0.05% |
| GARRY D GOBLE3 | PO BOX 1664 TAYLORSVILLE, NC 28681 | AFLAC | $16 | $0 | $16 | 0.05% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLATROCK, NC 28731 | AFLAC | $14 | $0 | $14 | 0.04% |
| KIMBRA K PENDLEY3 | 116 CRESTVIEW LN MORGANTON, NC 28655 | AFLAC | $14 | $0 | $14 | 0.04% |
| TONY D MATTHEWS3 | 3260 WASHINGTON WAY HUDSON, NC 28638 | AFLAC | $12 | $0 | $12 | 0.04% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $10 | $0 | $10 | 0.03% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $6 | $0 | $6 | 0.02% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $3 | $0 | $3 | 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 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $2 | $0 | $2 | 0.01% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $1 | — | $1 | 0.00% |
| J DAVID BUTLER3 | 1375 LENOIR RHYNE BLVD STE 210 HICKORY, NC 28602 | AFLAC | $1 | $0 | $1 | 0.00% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 391 | $2.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $271K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $302K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $271K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 334 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.