| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAWN D JOHNSTON3 | 1884 OLD NEW BERN ROAD CHOCOWINITY, NC 27817 | AFLAC | $16K | $677 | $17K | 11.05% |
| AUBREY G PHELPS3 | 81 SAMANTHA DR PLYMOUTH, NC 27962 | AFLAC | $11K | $429 | $11K | 7.20% |
| JOANN SPIVEY3 | 113 CREEK TRL HERTFORD, NC 27944 | AFLAC | $5K | $355 | $5K | 3.27% |
| CHRISTINA T HODGSON3 | PO BOX 1512 MANTEO, NC 27954 | AFLAC | $4K | $77 | $4K | 2.43% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | AFLAC | $3K | $21 | $3K | 1.88% |
| STEPHEN STOX3 | 3601 IRON GATE CT GREENVILLE, NC 27834 | AFLAC | $2K | $5 | $2K | 1.40% |
| TAMMY BRITT COOPER3 | 1338 CADBURY CASTLE DR SE BOLIVIA, NC 28422 | AFLAC | $2K | $2 | $2K | 1.19% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $546 | $260 | $806 | 0.52% |
| BRITTANY DANIELLE WALKER3 | 384 OLD WHARF RD WANCHESE, NC 27981 | AFLAC | $263 | $139 | $402 | 0.26% |
| LINDA L FELTON3 | 119 SHARPS LN HERTFORD, NC 27944 | AFLAC | $373 | $0 | $373 | 0.24% |
| LAURA S AMBROSE3 | 3552 GODARD TOWN RD WASHINGTON, NC 27889 | AFLAC | $313 | $0 | $313 | 0.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ROBERT A BROWN | 304 SHADOW VALLEY RD HIGH POINT, NC 27262 | AFLAC | $280 | $0 | $280 | 0.18% |
| ANNE H MARTIN3 | 3239 MOUNT TABOR RD CRESWELL, NC 27928 | AFLAC | $209 | $0 | $209 | 0.14% |
| SONYA CARTER3 | 164 HAMPTON HOBBS RD FAISON, NC 28341 | AFLAC | $182 | $0 | $182 | 0.12% |
| MASON C LEE3 | 2507 NASH ST NW WILSON, NC 27896 | AFLAC | $177 | $0 | $177 | 0.11% |
| JOAN H DIXON3 | 1896 OLD NEW BERN RD CHOCOWINITY, NC 27817 | AFLAC | $165 | $0 | $165 | 0.11% |
| RUSSELL W TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETTEVILLE, NC 28314 | AFLAC | $155 | $0 | $155 | 0.10% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $135 | $0 | $135 | 0.09% |
| SUSAN C BRADLEY3 | 4586 MARKET STREET EXT WASHINGTON, NC 27889 | AFLAC | $91 | $0 | $91 | 0.06% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD STE 102 GREENVILLE, NC 27834 | AFLAC | $91 | $0 | $91 | 0.06% |
| KATHRYN T MINSCHEW3 | 1239 BRICKHOUSE POINT RD ELIZABETH CITY, NC 27909 | AFLAC | $87 | $0 | $87 | 0.06% |
| MICHAEL HOWARD WEEKS3 | 160 ELLIOTT RD AYDLETT, NC 27916 | AFLAC | $76 | $0 | $76 | 0.05% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $75 | $0 | $75 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD STE A WOODBURY, NY 11797 | AFLAC | $54 | $0 | $54 | 0.04% |
| KRISTI LESLIE3 | 104 N OAK ST PRATT, KS 67124 | AFLAC | $45 | $0 | $45 | 0.03% |
| LINDA MCCOY3 | 143 BROWN AVE COVE CITY, NC 28523 | AFLAC | $42 | $0 | $42 | 0.03% |
| RYAN P BENEDICT3 | 2007 OVERLOOK CT CANONSBURG, PA 15317 | AFLAC | $23 | $0 | $23 | 0.01% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $21 | $0 | $21 | 0.01% |
| SANDRA HADDOCK3 | 115 JONES CIR CHOCOWINITY, NC 27817 | AFLAC | $17 | $0 | $17 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $15 | $0 | $15 | 0.01% |
| LAUREN E SKINNER3 | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $14 | $0 | $14 | 0.01% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $13 | $0 | $13 | 0.01% |
| ROY D MUNSTER3 | 8332 CHARING LN GLEN ALLEN, VA 23059 | AFLAC | $12 | $0 | $12 | 0.01% |
| CYNTHIA KAY PATTEN3 | 121 BUCKTHORN RD BADEN, PA 15005 | AFLAC | $11 | $0 | $11 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $10 | $0 | $10 | 0.01% |
| JOHANNES C BUBBERT3 | 342 52ND ST LINDENHURST, NY 11757 | AFLAC | $9 | $0 | $9 | 0.01% |
| MATTHEW S MCCLAY3 | 1086 MANSFIELD AVE INDIANA, PA 15701 | AFLAC | $8 | $0 | $8 | 0.01% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $7 | $0 | $7 | 0.00% |
| WILLIAM D CARTER3 | 164 HAMPTON HOBBS RD FAISON, NC 28341 | AFLAC | $7 | $0 | $7 | 0.00% |
| CHRISTOPHER PAUL FARGOTSTEIN3 | 120 MARGUERITE DR CRANBERRY TWP, PA 16066 | AFLAC | $6 | $0 | $6 | 0.00% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28277 | AFLAC | $5 | $0 | $5 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $3 | $0 | $3 | 0.00% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $2 | $0 | $2 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | $0 | $2 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE ALLEN ADAMS | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $2 | $0 | $2 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | $0 | $2 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL R MARTIN | — | AFLAC | $1 | $0 | $1 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF NORTH CAROLINA | $17K | $0 | $17K | 15.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2301 SUGAR BUSH ROAD RALEIGH, NC 27612 | COMMUNITY EYE CARE, LLC | $4K | $0 | $4K | 12.00% |
| MARSH & MCLENNAN AGENCY LLC4 | 360 HAMILTON AVE STE 930 WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | $0 | $74 | 8.03% |
| MARK C SPESSARD4 | 3004 PECKOVER CT RALEIGH, NC 27615 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 7.59% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 274 | $112K |
| Vision | COMMUNITY EYE CARE, LLC | 299 | $31K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $125K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 229 | $125K |
| Other(3 contracts, 3 carriers) | AFLAC | 241 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.