| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY LLC | 764 BESSEMER ST MEADVILLE, PA 16335 | AETNA LIFE INSURANCE CO. | $96K | $8K | $103K | 2.98% |
| FIRST NATIONAL INSURANCE AGENCY3 | 764 BESSEMER ST MEADVILLE, PA 16335 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 3.68% |
| ENC INVESTMENTS LLC3 | 1431 DEVON DR GRIMESLAND, NC 27837 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 11.92% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $267 | $267 | 0.20% |
| SOUTHEASTERN BENEFITS LLC3 | 4837 CAROLINA BEACH RD SUITE 101 WILMINGTON, NC 28412 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 21.14% |
| JONES, CARMON3 | 600-A PLAZA BLVD KINSTON, NC 28501 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.77% |
| HERRING, WILLIAM D3 | 505 A NORTH SPENCE AVENUE GOLDSBORO, NC 27534 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $952 | — | $952 | 1.87% |
| CULLEN, DONNA3 | PO BOX 275 BAYBORO, NC 28515 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $216 | — | $216 | 0.42% |
| MOORE, JOHN R3 | STE 112 4837 CAROLINA BEACH RD WILMINGTON, NC 28412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.50% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 9375 GREENSBORO, NC 27429 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | — | $431 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD. RALEIGH, NC 27612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $86 | $86 | 0.19% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B WAINWRIGHT | 4102 COUNTRY CLUB RD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.12% |
| ENC INVESTMENTS LLC3 | 1431 DEVON DR GRIMESLAND, NC 28737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.67% |
| KARLA GROGAN INSURANCE SERVICES INC3 | 223 A KALE RD NEW BERN, NC 28562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.89% |
| JOEL S WADDELL3 Filed as: JOEL WADDELL | 354 NC HWY 581 S GOLDSBORO, NC 27530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| KATHERINE PATE3 Filed as: KATHERINE M PATE | 702 CROMWELL DR SUITE F GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $655 | — | $655 | 1.56% |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 708 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $277K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 858 | $277K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 566 | $96K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 120 | $134K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 566 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.