| 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 | $30K | $228 | $30K | 3.39% |
| JANICE C BOYD3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $710 | $50 | $760 | 6.82% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $606 | — | $606 | 5.44% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD FLETCHER, NC 28732 | AFLAC | $235 | $100 | $335 | 3.01% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $293 | $25 | $318 | 2.85% |
| ERIC S RUSSELL3 | 211 SUGAR HOLLOW RD PIGEON FORGE, TN 37863 | AFLAC | $231 | — | $231 | 2.07% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $49 | — | $49 | 0.44% |
| LYNNE G LINDSAY | 1301 ERIN LN HIXSON, TN 37343 | AFLAC | $43 | — | $43 | 0.39% |
| WILLIAM C HAGUE3 | 450 VINEYARD RD TRYON, NC 28782 | AFLAC | $29 | — | $29 | 0.26% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $14 | — | $14 | 0.13% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.08% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $9 | — | $9 | 0.08% |
| TONY J DELBEN3 | 143 SANDREEED DR MOORESVILLE, NC 28117 | AFLAC | $3 | — | $3 | 0.03% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $2 | — | $2 | 0.02% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $352 | $65 | $417 | 70.32% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $176 | — | $176 | 29.68% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 135 | $879K |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 135 | $879K |
| Vision | VSP | 23 | $3K |
| Life insurance | USABLE LIFE | 58 | $593 |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 135 | $879K |
| Other(2 contracts, 2 carriers) | AFLAC | 58 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.