| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS INSURANCE LLC3 Filed as: BANKERS INSURANCE AGENCY INC | 77 CENTRAL AVE STE C ASHEVILLE, NC 28801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 9.00% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $3K | $31K | 10.89% |
| BANKERS INSURANCE LLC3 Filed as: BANKERS INSURANCE AGENCY INC | 77 CENTRAL AVE STE C ASHEVILLE, NC 28801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $2K | $14K | 16.84% |
| BANKERS INSURANCE LLC3 | 77 CENTRAL AVE SUITE C ASHEVILLE, NC 28801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| JOSH WILLIAMS ENTERPRISES INC4 | PO BOX 2287 SKYLAND, NC 28776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $516 | $6K | 10.97% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 16.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 ADMINISTRATOR | Contract Administrator Service code 13 | — | $6K |
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 | 938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 825 | $4.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 526 | $281K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 470 | $53K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 941 | $136K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $396K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 941 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.