| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSH WILLIAMS ENTERPRISES INC3 Filed as: JOSH WILLIAMS ENTERPRISES, INC. | PO BOX 2287 SKYLAND, NC 28776 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.19% |
| BANKERS INSURANCE LLC3 | PO BOX 20 ASHEVILLE, NC 28802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| JOSH WILLIAMS ENTERPRISES INC3 | 1854 HENDERSONVILLE RD #C ASHEVILLE, NC 28803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 10.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NC, LLC | 64 LONG SHOALS ROAD, STE 10 ARDEN, NC 28704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 4.82% |
| BANKERS INSURANCE LLC3 | PO BOX 20 ASHEVILLE, NC 28802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| SEE ATTACHED3 Filed as: SEE ATTACHED REPORT | — | AFLAC | $10K | $56 | $10K | 21.37% |
| JOSH WILLIAMS ENTERPRISES INC4 | 1854 HENDERSONVILLE RD #C ASHEVILLE, NC 28803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NC, LLC | 64 LONG SHOALS ROAD, STE 10 ARDEN, NC 28704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES AND ASSOCIATES EIN 56-1542307 ADMINISTRATOR | Contract Administrator Service code 13 | — | $20K |
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 | 871 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 871 | $3.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 871 | $3.8M |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 972 | $170K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 265 | $87K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 972 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 972 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.