| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 | 617 OBERLIN ROAD RALEIGH, NC 27605 | AMERITAS LIFE INSURANCE CORP. | $11K | — | $11K | 10.00% |
| MICHAEL E STARKIE3 | 2706 GREGORY COURT WINTERVILLE, NC 28590 | AFLAC | $24K | $87 | $24K | 31.75% |
| CECIL JACKSON3 | 422 CASTLEFORD DRIVE WINTERVILLE, NC 28590 | AFLAC | $7K | — | $7K | 8.84% |
| STEPHEN STOX3 | 702 CROMWELL DRIVE SUITE F GREENVILLE, NC 27858 | AFLAC | $4K | — | $4K | 5.43% |
| KATHERINE PATE3 | 702 CROMWELL DRIVE SUITE F GREENVILLE, NC 27858 | AFLAC | $3K | $330 | $3K | 3.96% |
| CHELSEA SCOTT3 | 2909 BEDDARD ROAD GRIMESLAND, NC 27837 | AFLAC | $434 | $3 | $437 | 0.57% |
| MARSHALL Z CRUMPLER3 | 117 CASHWELL DRIVE GOLDSBORO, NC 27534 | AFLAC | $8 | — | $8 | 0.01% |
| JOEL S WADDELL3 | 354 NC 581 HIGHWAY S GOLDSBORRO, NC 27530 | AFLAC | $4 | — | $4 | 0.01% |
| GARY W GREENE3 | 505 GOLD VIEW DRIVE GREENVILLE, NC 27834 | AFLAC | $4 | — | $4 | 0.01% |
| JANE W BARNHILL3 | 536 DOVEFILED DRIVE INDIAN TRAIL, NC 28079 | AFLAC | $1 | — | $1 | 0.00% |
| LAUREN E SKINNER3 | 1225 NORRIS STREET RALEIGH, NC 27604 | AFLAC | $1 | — | $1 | 0.00% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 154 | $107K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 154 | $107K |
| Life insurance | AFLAC | 109 | $76K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 166 | $168K |
| Other | AFLAC | 109 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.