| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY D MATTHEW3 | POST OFFICE BOX 530 ASHEVILLE, NC 28802 | BLUE CROSS BLUE SHIELD OF NC | $40K | — | $40K | 4.24% |
| SUSAN RUSSELL3 | 120 ROCKWOOD RD HENDERSONVILLE, NC 28792 | AFLAC | $396 | $6 | $402 | 6.11% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $282 | $36 | $318 | 4.83% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $144 | — | $144 | 2.19% |
| DAWN WALKER GEE3 | 144 SIERRA DR HENDERSONVILLE, NC 28739 | AFLAC | $131 | $1 | $132 | 2.01% |
| ERIC S RUSSELL3 | 211 SUGAR HOLLOW RD PIGEON FORGE, TN 37863 | AFLAC | $118 | — | $118 | 1.79% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD FLETCHER, NC 28732 | AFLAC | $32 | — | $32 | 0.49% |
| JANCE C BOYD | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $31 | — | $31 | 0.47% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $25 | — | $25 | 0.38% |
| LYNNE G LINDSAY | 1301 ERIN LN HIXSON, TN 37343 | AFLAC | $19 | — | $19 | 0.29% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $11 | — | $11 | 0.17% |
| WILLIAM C HAGUE3 | 450 VINEYARD RD TRYON, NC 28782 | AFLAC | $8 | — | $8 | 0.12% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $5 | — | $5 | 0.08% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $5 | — | $5 | 0.08% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $5 | — | $5 | 0.08% |
| TONY J DELBEN3 | 143 SANDREEED DR MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.02% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 288020530 | VSP | $229 | — | $229 | 3.76% |
| JOSH WILLIAMS ENTERPRISES INC3 | PO BOX 2287 SKYLAND, NC 28776 | USABLE LIFE | $309 | — | $309 | 6.69% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $231 | — | $231 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 4010 OLEANDER DR STE 11 WILMINGTON, NC 28403 | USABLE LIFE | $116 | — | $116 | 2.51% |
| INSURANCE SERVICE OF ASHEVILLE | PO BOX 530 ASHEVILLE, NC 28802 | USABLE LIFE | $37 | — | $37 | 0.80% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 139 | $941K |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 139 | $941K |
| Vision | VSP | 66 | $6K |
| Life insurance | USABLE LIFE | 96 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 139 | $941K |
| Other(2 contracts, 2 carriers) | AFLAC | 96 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.