| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLY ROSE3 | 400 EXECUTIVE PARK SUITE 8 ASHEVILLE, NC 28801 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $46K | — | $46K | 4.17% |
| LEGACY RISK SOLUTIONS LLC3 | P.O. BOX 2976 GAINESVILLE, GA 30503 | AFLAC | $7K | — | $7K | 9.00% |
| JOSHUA G. COCKRELL3 | 24 WOLF RDG. CANTON, NC 28716 | AFLAC | $5K | $452 | $5K | 6.63% |
| DAVID UNDERWOOD3 Filed as: DAVID MARK MCGLASHAN | 114 KENWOOD DR. HENDERSONVILLE, NC 28739 | AFLAC | $3K | $410 | $3K | 3.82% |
| JAIME SUE MARTINEZ3 | P.O. BOX 524 BLACK MOUNTAIN, NC 28711 | AFLAC | $1K | $83 | $1K | 1.86% |
| JOSH FIELDS SERVICES INC3 Filed as: JOSH FIELDS SERVICES | 160 N MAIN ST. STE 8 WAYNESVILLE, NC 28786 | AFLAC | $1K | $93 | $1K | 1.85% |
| JACOB M KIMSEY3 Filed as: JACOB M. KIMSEY | 101 FOX COVE RD. HENDERSONVILLE, NC 28792 | AFLAC | $1K | $266 | $1K | 1.73% |
| CORINE MICHAEL RHOM3 Filed as: CORINE M. RHOM | 113 UPPER GRASSY BRANCH RD. ASHEVILLE, NC 28805 | AFLAC | $718 | $88 | $806 | 1.00% |
| JANA HOLLAND | 507 SADDLEBACK CT. ASHEVILLE, NC 28803 | AFLAC | $481 | — | $481 | 0.60% |
| SUSAN RUSSELL3 | 504 SIMMONS VIEW DR. SEYMOUR, TN 37865 | AFLAC | $385 | — | $385 | 0.48% |
| SHANA NICOLE CRAIG3 | 48 BOONE ST. SPRUCE PINE, NC 28777 | AFLAC | $117 | $215 | $332 | 0.41% |
| HALEY BURNETTE FIELDS Filed as: HALEY FIELDS | 146 MEGAN DR. CLYDE, NC 28721 | AFLAC | $280 | — | $280 | 0.35% |
| JENNIFER RITCHIE3 | 42 WILLIE MAE WAY FLETCHER, NC 28732 | AFLAC | $90 | $181 | $271 | 0.34% |
| NATASHA ANN MCCORMICK3 | 27 AMYS WAY BLACK MOUNTAIN, NC 28711 | AFLAC | $168 | $32 | $200 | 0.25% |
| MITCHELL KEITH RUFF3 | 400 FIELDVIEW WAY CANTON, NC 28716 | AFLAC | $112 | — | $112 | 0.14% |
| JANICE C BOYD3 | 586 OAK GROVE RD. FLAT ROCK, NC 28731 | AFLAC | $47 | — | $47 | 0.06% |
| DINA MARIE CARDEN3 | 945 PANTEGO BLVD. SE BOLIVIA, NC 28422 | AFLAC | $44 | — | $44 | 0.05% |
| ERIC S RUSSELL3 Filed as: ERIC S. RUSSELL | 211 SUGAR HOLLOW RD. PIGEON FORGE, TN 37863 | AFLAC | $19 | — | $19 | 0.02% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD. FLETCHER, NC 28732 | AFLAC | $7 | — | $7 | 0.01% |
| OLIVIA JANE URSCHALITZ3 | 27 MEADOW DR. HORSE SHOE, NC 28742 | AFLAC | $4 | — | $4 | 0.00% |
| LEGACY RISK SOLUTIONS LLC3 | P.O. BOX 2976 GAINESVILLE, GA 30503 | VISION SERVICE PLAN | $818 | — | $818 | 6.84% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $31 | — | $31 | 0.26% |
| LEGACY RISK SOLUTIONS LLC | P.O. BOX 2976 GAINESVILLE, GA 30503 | USABLE LIFE | $531 | — | $531 | 9.38% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $265 | — | $265 | 4.68% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.1M |
| Vision | VISION SERVICE PLAN | 69 | $12K |
| Life insurance | USABLE LIFE | 113 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 169 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
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.