| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB M KIMSEY3 Filed as: JACOB KIMSEY | 31 VENTURE WAY HENDERSONVILLE, NC 28792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 5.46% |
| DAVID UNDERWOOD3 Filed as: DAVID M MCGLASHAN | 114 KENWOOD DRIVE HENDERSONVILLE, NC 28739 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 1.64% |
| LISA MARIE HODGES3 | 70 QUEEN ROAD CANDLER, NC 28715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.54% |
| JOSHUA R FIELDS3 | 146 MEGAN DR CLYDE, NC 287218958 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.43% |
| INSURANCE SERV OF ASHEVILLE INC3 Filed as: INSURANCE SERV OF ASHEVILLE, INC. | PO BOX 530 EXECUTIVE PARK SUITE 408 ASHEVILLE, NC 28801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.11% |
| DINA MARIE CARDEN3 Filed as: DINA CARDEN | 945 PANTEGO BLVD SE BOLIVIA, NC 284228385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.03% |
| SUSAN RUSSELL3 | 120 ROCKWOOD DR HENDERSONVILLE, NC 287929322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.01% |
| ANGELA CALLAHAN LARUE3 | 45 LOWER CHRIST SCHOOL RD FLETCHER, NC 287329437 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.84% |
| JAIME SUE MARTINEZ3 Filed as: JAIME SUE DANIELSON MARTINEZ | 28 WALKER COVE RD BLACK MOUNTAIN, NC 28711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.82% |
| ANNA WHISNANT3 Filed as: ANNA ROSARITA WHISNANT | 14 HAMPTON LANE WEAVERVILLE, NC 28787 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.64% |
| HALEY BURNETTE FIELDS3 | 146 MEGAN DRIVE CLYDE, NC 28721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.60% |
| CORINE MICHAEL RHOM3 | 113 UPPER GRASSY BRANCH ROAD ASHEVILLE, NC 28805 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.55% |
| JOSHUA G. COCKRELL3 Filed as: JOSHUA GLENN COCKRELL | 24 WOLF RIDGE CANTON, NC 28716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.49% |
| NATASHA ANN MCCORMICK3 | 27 AMYS WAY BLACK MOUNTAIN, NC 287119589 | CONTINENTAL AMERICAN INSURANCE COMPANY | $970 | $0 | $970 | 0.28% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | PO BOX 530 BLDG 3 ASHEVILLE, NC 288020530 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.18% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 305032976 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.82% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | DELTA DENTAL OF NORTH CAROLINA | $18K | $0 | $18K | 8.37% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 305032976 | DELTA DENTAL OF NORTH CAROLINA | $2K | $0 | $2K | 0.76% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 500 | $209K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 652 | $269K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 652 | $269K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 652 | $269K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 652 | $269K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 287 | $399K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 652 | $614K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.