| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | SPDO | $8K | — | $8K | 10.00% |
| TINA BLUE3 | PO BOX 643 OAKBORO, NC 28129 | AFLAC | $2K | $173 | $2K | 5.73% |
| BLAKE A THOMAS JR3 | 845 PINEHILL DR SE SMYRNA, GA 30080 | AFLAC | $566 | — | $566 | 1.49% |
| JANE W FAUST3 | 518 HARRISON DR NW CONCORD, NC 28027 | AFLAC | $407 | — | $407 | 1.07% |
| KANDACE M MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | AFLAC | $392 | — | $392 | 1.03% |
| KAREN S WELLS ZELINSKE3 | 2859 WYNDHAM WAY MELBOURNE, FL 32940 | AFLAC | $337 | — | $337 | 0.89% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH P HURLEY | 20 BARROW AVE NE CONCORD, NC 28025 | AFLAC | $180 | $13 | $193 | 0.51% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $144 | — | $144 | 0.38% |
| DEBORAH JUNE CRISP3 | 1432 WHITMAN DR NW CONCORD, NC 28027 | AFLAC | $100 | — | $100 | 0.26% |
| DAVID JACOB HOLPER3 | 1828 W 244TH ST TORRANCE, CA 90501 | AFLAC | $78 | — | $78 | 0.20% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | AFLAC | $75 | — | $75 | 0.20% |
| MICHAEL E MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | AFLAC | $68 | — | $68 | 0.18% |
| SUMMER L CAIN3 | 10040 W CHEYENNE AVE UNIT 170-249 LAS VEGAS, NV 89129 | AFLAC | $62 | — | $62 | 0.16% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $62 | — | $62 | 0.16% |
| LISA PORTER3 Filed as: LISA L PORTER | 3221 KINTORE LN CONCORD, NC 28027 | AFLAC | $61 | — | $61 | 0.16% |
| ELIZABETH HARKEY3 Filed as: ELIZABETH F DEMPSEY | 6152 VILLAGE DR NW CHARLOTTE, NC 28202 | AFLAC | $59 | — | $59 | 0.15% |
| AMY F KLUTTZ3 | 5496 MOUNT PLEASANT RD S CONCORD, NC 28025 | AFLAC | $52 | — | $52 | 0.14% |
| KATIE D ALEXANDER3 | PO BOX 71071 NEWNAN, GA 30271 | AFLAC | $50 | — | $50 | 0.13% |
| SARAH CHIESA3 | 7838 W RASCHER AVE CHICAGO, IL 60656 | AFLAC | $49 | — | $49 | 0.13% |
| WILLIAM P FLEMING3 | 184 MEADOWVIEW RD LEXINGTON, NC 27295 | AFLAC | $45 | — | $45 | 0.12% |
| ISAAC H FAUST JR3 | PO BOX 12889 JACKSON, WY 83002 | AFLAC | $39 | — | $39 | 0.10% |
| OKSAN K PILAFAS3 | 838 S VILLA AVE VILLA PARK, IL 60181 | AFLAC | $37 | — | $37 | 0.10% |
| DENNIS J CASSENS3 | 4646 E MARRILL RD STE 1 BYRON, IL 61010 | AFLAC | $33 | — | $33 | 0.09% |
| GWEN NICHOLS BUTLER3 | 203 29TH AVE N66 HICKORY, NC 28601 | AFLAC | $31 | — | $31 | 0.08% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $29 | — | $29 | 0.08% |
| MARK H MAZZA3 | 1070 S RIMWOOD DR ANAHEIM, CA 92807 | AFLAC | $28 | — | $28 | 0.07% |
| GERALD A GREENEN3 | 472 N SUGAR GROVE PKWY STE F102 SUGAR GROVE, IL 60554 | AFLAC | $28 | — | $28 | 0.07% |
| JV FLORIDA INSURANCE CORP3 | 2821 N OCEAN BLVD APT 305 FT LAUDERDALE, FL 33308 | AFLAC | $26 | — | $26 | 0.07% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIR HOFFMAN ESTATES, IL 60169 | AFLAC | $20 | — | $20 | 0.05% |
| SHELLY COLE MORGAN3 | 7140 US HIGHWAY 52 SALISBURY, NC 28146 | AFLAC | $19 | — | $19 | 0.05% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA V REDDING | 530 SINFOLD PARK ST LAS VEGAS, NV 89148 | AFLAC | $18 | — | $18 | 0.05% |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $18 | — | $18 | 0.05% |
| CHAD L NELSON3 | 5266 N KUFALK LN BYRON, IL 61010 | AFLAC | $16 | — | $16 | 0.04% |
| CASSANDRA GREEN3 | 4276 KATELLA AVE PMB 185 LOS ALAMITOS, CA 90720 | AFLAC | $15 | — | $15 | 0.04% |
| H J SAMAAN INC3 | 477 E BUTTERFIELD RD STE 206 LOMBARD, IL 60148 | AFLAC | $14 | — | $14 | 0.04% |
| CLAY W CAMPBELL3 | 14720 LIBLEN AVE BELLFLOWER, CA 90706 | AFLAC | $12 | — | $12 | 0.03% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIR BUFORD, GA 30518 | AFLAC | $12 | — | $12 | 0.03% |
| MICHAEL ROBERT YURCZYK3 | 9616 WYOMING TER S BLOOMINGTON, MN 55438 | AFLAC | $9 | — | $9 | 0.02% |
| MICHAEL A ORTIZ3 | 740 CHEYENNE LANE ELGIN, IL 60123 | AFLAC | $8 | — | $8 | 0.02% |
| ASHLEY LYNN SHAW3 | 1163 ESTANCIA WOODS LOOP WINDERMERE, FL 34786 | AFLAC | $8 | — | $8 | 0.02% |
| KAREN M HUGHES3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $4 | — | $4 | 0.01% |
| TODD DEVOSS3 Filed as: TODD C DEVOSS | 321 N CLARK ST STE 625 CHICAGO, IL 60654 | AFLAC | $4 | — | $4 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT LYDEN3 | 1284 ROSEGATE CT AURORA, IL 60504 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.01% |
| ELENI A NIKOLAS3 | 312 ABBEY CT CANTON, GA 30115 | AFLAC | $3 | — | $3 | 0.01% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | 0.01% |
| JULIE W CRAIG3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $2 | — | $2 | 0.01% |
| LIVIER MARIA RAMIREZ3 | 1107 FAIR OAKS AVE PMB 882 SOUTH PASADENA, CA 91030 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DILLON HEALTH LLC NONE | Insurance services Service code 23 | 329 FLINT STREET RENO, NV 89501 | $41K |
| DIGITAL INSURANCE NONE | Insurance services Service code 23 | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | $4K |
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 | 178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 153 | $846K |
| Dental | SPDO | 102 | $76K |
| Vision(2 contracts, 2 carriers) | SPDO | 102 | $114K |
| Short-term disability | AFLAC | 29 | $38K |
| Other | AFLAC | 29 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.