| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW D BRADLEY3 | POST OFFICE BOX 530 ASHEVILLE, NC 28802 | BLUE CROSS BLUE SHIELD OF NC | $42K | — | $42K | 3.96% |
| JACOB M KIMSEY3 | 111 BROOKSTONE CT HENDERSONVILLE, NC 28792 | AFLAC | $3K | — | $3K | 12.74% |
| SUSAN RUSSELL3 | 120 ROCKWOOD RD HENDERSONVILLE, NC 28792 | AFLAC | $3K | $30 | $3K | 10.48% |
| JOSHUA G. COCKRELL3 Filed as: JOSHUA G COCKRELL | 24 WOLFRIDGE RD CANTON, NC 28716 | AFLAC | $3K | — | $3K | 10.33% |
| OLIVIA JANE URSCHALITZ3 | 27 MEADOW DR HORSE SHOE, NC 28742 | AFLAC | $1K | — | $1K | 4.00% |
| MITCHELL KEITH RUFF3 | 44 PARKER RD CANTON, NC 28716 | AFLAC | $642 | — | $642 | 2.35% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $241 | — | $241 | 0.88% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $191 | $7 | $198 | 0.73% |
| ERIC S RUSSELL3 | 211 SUGAR HOLLOW RD PIGEON FORGE, TN 37863 | AFLAC | $111 | — | $111 | 0.41% |
| DAWN WALKER GEE3 | 144 SIERRA DR HENDERSONVILLE, NC 28739 | AFLAC | $56 | — | $56 | 0.21% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $22 | — | $22 | 0.08% |
| LYNNE G LINDSAY | 1301 ERIN LN HIXSON, TN 37343 | AFLAC | $19 | — | $19 | 0.07% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD FLETCHER, NC 28732 | AFLAC | $15 | — | $15 | 0.05% |
| LISA H MCKINNEY3 | 56 GLEN COVE RD ARDEN, NC 28704 | AFLAC | $14 | — | $14 | 0.05% |
| KIMBERLY COXE Filed as: KIMBERLY A COXE | 46 MARLOWE DR ASHEVILLE, NC 28801 | AFLAC | $12 | — | $12 | 0.04% |
| WILLIAM C HAGUE3 | 450 VINEYARD RD TRYON, NC 28782 | AFLAC | $10 | — | $10 | 0.04% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $5 | — | $5 | 0.02% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $4 | — | $4 | 0.01% |
| TONY J DELBEN3 | 143 SANDREEED DR MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE W CRAIG | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 288020530 | VSP | $824 | — | $824 | 7.34% |
| INSURANCE SERVICE OF ASHEVILLE | PO BOX 530 ASHEVILLE, NC 28802 | USABLE LIFE | $541 | — | $541 | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $271 | — | $271 | 5.01% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 173 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 173 | $1.1M |
| Vision | VSP | 68 | $11K |
| Life insurance | USABLE LIFE | 111 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 173 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NC | 173 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.