| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA F. WILLIAMS3 Filed as: JOSHUA F WILLIAMS | PO BOX 2287 SKYLAND, NC 28776 | BLUE CROSS BLUE SHIELD OF NC | $42K | — | $42K | 4.70% |
| ERIC S RUSSELL3 | 120 ROCKWOOD DR HENDERSONVILLE, NC 28792 | AFLAC | $2K | $260 | $3K | 13.64% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $1K | — | $1K | 5.44% |
| JANICE C BOYD3 Filed as: JANICE BOYD | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $866 | $52 | $918 | 4.90% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $759 | $52 | $811 | 4.33% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD, STE A HICKORY, NC 28601 | AFLAC | $175 | $52 | $227 | 1.21% |
| LYNNE G LINDSAY | 1301 ERIN LN HIXSON, TN 37343 | AFLAC | $106 | — | $106 | 0.57% |
| WILLIAM C HAGUE3 | 450 VINEYARD RD TRYON, NC 28782 | AFLAC | $96 | — | $96 | 0.51% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $46 | — | $46 | 0.25% |
| TONY J DELBEN3 | 143 SANDREEED DR MOORESVILLE, NC 28117 | AFLAC | $10 | — | $10 | 0.05% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $384 | — | $384 | 9.05% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $253 | — | $253 | 5.96% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 185 | $902K |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 185 | $902K |
| Vision | VSP | 36 | $6K |
| Life insurance | USABLE LIFE | 111 | $4K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 185 | $902K |
| Other(2 contracts, 2 carriers) | AFLAC | 111 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.