| 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 | $25K | — | $25K | 2.01% |
| JACOB M KIMSEY3 | 1846 BREVARD RD ARDEN, NC 28704 | AFLAC | $5K | $197 | $5K | 15.15% |
| JOSHUA G. COCKRELL3 Filed as: JOSHUA G COCKRELL | 24 WOLFRIDGE RD CANTON, NC 28716 | AFLAC | $2K | $189 | $3K | 8.00% |
| SUSAN RUSSELL3 | 120 ROCKWOOD RD HENDERSONVILLE, NC 28792 | AFLAC | $1K | $183 | $2K | 5.14% |
| JOSH FIELDS SERVICES INC3 | 160 MAIN ST STE 8 WAYNESVILLE, NC 28786 | AFLAC | $397 | — | $397 | 1.24% |
| MITCHELL KEITH RUFF3 | 44 PARKER RD CANTON, NC 28716 | AFLAC | $242 | $44 | $286 | 0.89% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $224 | — | $224 | 0.70% |
| OLIVIA JANE URSCHALITZ3 | 27 MEADOW DR HORSE SHOE, NC 28742 | AFLAC | $136 | $50 | $186 | 0.58% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $89 | — | $89 | 0.28% |
| ERIC S RUSSELL3 | 211 SUGAR HOLLOW RD PIGEON FORGE, TN 37863 | AFLAC | $49 | — | $49 | 0.15% |
| WILLIAM C HAGUE3 | 450 VINEYARD RD TRYON, NC 28782 | AFLAC | $9 | — | $9 | 0.03% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.02% |
| 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 | $1 | — | $1 | 0.00% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $1 | — | $1 | 0.00% |
| TONY J DELBEN3 | 143 SANDREEED DR MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 288020530 | VSP | $865 | — | $865 | 6.79% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VSP | $73 | — | $73 | 0.57% |
| INSURANCE SERVICE OF ASHEVILLE | PO BOX 530 ASHEVILLE, NC 28802 | USABLE LIFE | $599 | — | $599 | 10.00% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $299 | — | $299 | 4.99% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NC | 206 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF NC | 206 | $1.2M |
| Vision | VSP | 88 | $13K |
| Life insurance | USABLE LIFE | 140 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NC | 206 | $1.2M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NC | 206 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.