| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 617 OBERLIN ROAD RALEIGH, NC 27605 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 5.40% |
| ENC INVESTMENTS LLC3 | 308 NORTH WILLIAM STREET GOLDSBORO, NC 27530 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 2.74% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 13941 DURHAM, NC 27709 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 1.85% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 29616 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 1.63% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | HARTFORD LIFE AND ACCIDENT | $11K | $1K | $12K | 18.77% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 7.00% |
| MICHAEL E STARKIE3 | 2706 GREGORY COURT WINTERVILLE, NC 28590 | AFLAC | $5K | — | $5K | 30.91% |
| CECIL JACKSON3 | 422 CASTLEFORD DRIVE WINTERVILLE, NC 28590 | AFLAC | $1K | — | $1K | 8.84% |
| STEPHEN STOX3 | 702 CROMWELL DRIVE SUITE F GREENVILLE, NC 27858 | AFLAC | $807 | — | $807 | 5.36% |
| KATHERINE PATE3 | 702 CROMWELL DRIVE SUITE F GREENVILLE, NC 27858 | AFLAC | $529 | — | $529 | 3.51% |
| CHELSEA SCOTT3 | 2909 BEDDARD ROAD GRIMESLAND, NC 27837 | AFLAC | $111 | — | $111 | 0.74% |
| MARSHALL Z CRUMPLER3 | 117 CASHWELL DRIVE GOLDSBORO, NC 27534 | AFLAC | $3 | — | $3 | 0.02% |
| JOEL S WADDELL3 Filed as: JOEL S WADDEL | 354 NC 581 HIGHWAY S GOLDSBORO, NC 27530 | AFLAC | $2 | — | $2 | 0.01% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 164 | $109K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 164 | $109K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 252 | $78K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $63K |
| Other(3 contracts, 3 carriers) | GERBER LIFE INSURANCE COMPANY | 252 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.