| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW D BRADLEY3 Filed as: MATTHEW D. BRADLEY | P.O. BOX 530 ASHEVILLE, NC 28802 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $21K | — | $21K | 2.25% |
| JACOB M KIMSEY3 Filed as: JACOB M. KIMSEY | 101 FOX COVE RD. HENDERSONVILLE, NC 28792 | AFLAC | $2K | $267 | $3K | 7.69% |
| JOSHUA G. COCKRELL3 | 24 WOLF RDG. CANTON, NC 28716 | AFLAC | $2K | $143 | $2K | 6.53% |
| INSURANCE SERV OF ASHEVILLE INC3 Filed as: INSURANCE SERV OF ASHEVILLE INC. | P.O. BOX 530 ASHEVILLE, NC 28802 | AFLAC | $1K | — | $1K | 3.62% |
| SUSAN RUSSELL3 | 120 ROCKWOOD DR. HENDERSONVILLE, NC 28792 | AFLAC | $809 | $62 | $871 | 2.47% |
| DINA MARIE CARDEN | 945 PANTEGO BLVD. SE BOLIVIA, NC 28422 | AFLAC | $632 | — | $632 | 1.79% |
| JOSH FIELDS SERVICES INC3 | 160 N MAIN ST., STE. 8 WAYNESVILLE, NC 28786 | AFLAC | $512 | $33 | $545 | 1.55% |
| NATASHA ANN MCCORMICK3 | 27 AMYS WAY BLACK MOUNTAIN, NC 28711 | AFLAC | $167 | — | $167 | 0.47% |
| LEGACY RISK SOLUTIONS LLC3 | P.O. BOX 2976 GAINESVILLE, GA 30503 | AFLAC | $150 | — | $150 | 0.43% |
| MITCHELL KEITH RUFF3 | 400 FIELDVIEW WAY CANTON, NC 28716 | AFLAC | $124 | — | $124 | 0.35% |
| JANICE C BOYD3 Filed as: JANICE C. BOYD | 586 OAK GROVE RD. FLAT ROCK, NC 28731 | AFLAC | $65 | — | $65 | 0.18% |
| OLIVIA JANE URSCHALITZ3 | 27 MEADOW DR. HORSE SHOE, NC 28742 | AFLAC | $47 | — | $47 | 0.13% |
| ERIC S RUSSELL3 Filed as: ERIC S. RUSSELL | 211 SUGAR HOLLOW RD. PIGEON FORGE, TN 37863 | AFLAC | $21 | — | $21 | 0.06% |
| KELLY ROSE3 | 44 PINE RIDGE TRL. ARDEN, NC 28704 | AFLAC | $13 | — | $13 | 0.04% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD. FLETCHER, NC 28732 | AFLAC | $13 | — | $13 | 0.04% |
| WILLIAM C HAGUE3 Filed as: WILLIAM C. HAGUE | 450 VINEYARD RD. TRYON, NC 28782 | AFLAC | $9 | — | $9 | 0.03% |
| DAVID G BAKER3 Filed as: DAVID G. BAKER | 1531 SUNFLOWER FIELD PL. MATTHEWS, NC 28104 | AFLAC | $5 | — | $5 | 0.01% |
| TONY J DELBEN3 Filed as: TONY J. DELBEN | 143 SANDREED DR. MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE W. CRAIG | 10722 NW 20TH DR. CORAL SPRINGS, FL 33071 | AFLAC | $1 | — | $1 | 0.00% |
| LEGACY RISK SOLUTIONS LLC3 | P.O. BOX 2976 GAINESVILLE, GA 30503 | VISION SERVICE PLAN | $382 | — | $382 | 3.14% |
| INSURANCE SERVICE OF ASHEVILLE3 | P.O. BOX 530 ASHEVILLE, NC 28802 | VISION SERVICE PLAN | $198 | — | $198 | 1.62% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $39 | — | $39 | 0.32% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC. | P.O. BOX 530 ASHEVILLE, NC 28802 | USABLE LIFE | $645 | — | $645 | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $323 | — | $323 | 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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 154 | $922K |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 154 | $922K |
| Vision | VISION SERVICE PLAN | 82 | $12K |
| Life insurance | USABLE LIFE | 138 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 154 | $922K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 154 | $963K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.