| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 550 S CALDWELL, 15TH FLOOR CHARLOTTE, NC 28202 | GUARDIAN | — | $11K | $11K | 2.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 2.96% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $3K | $3K | 2.96% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| JOSH FIELDS SERVICES INC3 | 160 N MAIN ST STE 8 WAYNESVILLE, NC 28786 | AFLAC | $2K | $190 | $2K | 7.74% |
| LAUREN GREENWOOD3 Filed as: LAUREN S GREENWOOD | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $811 | — | $811 | 2.54% |
| HALEY BURNETTE FIELDS3 Filed as: HALEY FIELDS | 146 MEGAN DR CORAL SPRINGS, FL 33071 | AFLAC | $262 | $162 | $424 | 1.33% |
| JACOB M KIMSEY3 | 1846 BREVARD RD ARDEN, NC 28704 | AFLAC | $309 | $41 | $350 | 1.10% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CLYDE, NC 28721 | AFLAC | $151 | — | $151 | 0.47% |
| WILLIAM P FLEMING3 | 184 MEADOWVIEW RD LEXINGTON, NC 27295 | AFLAC | $133 | — | $133 | 0.42% |
| SUSAN RUSSELL3 | 504 SIMMONS VIEW DR SEYMOUR, TN 37865 | AFLAC | $103 | — | $103 | 0.32% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $72 | — | $72 | 0.23% |
| ADRIAN STOUT3 | 18404 MIZZENMAST AVE CORNELIUS, NC 28031 | AFLAC | $65 | — | $65 | 0.20% |
| TERRI G MOOSE3 | 168 BRADFORD PLACE LN LEWISVILLE, NC 27023 | AFLAC | $54 | — | $54 | 0.17% |
| MITCHELL KEITH RUFF3 Filed as: MITCHELL RUFF | 400 FIELDWAY CANTON, NC 28716 | AFLAC | $48 | — | $48 | 0.15% |
| MICHAEL R KARAFFA3 | 7913 LAKEVIEW DR DENVER, NC 28037 | AFLAC | $46 | — | $46 | 0.14% |
| MICHAEL R HURD3 | 10103 RIVENDELL LN CHARLOTTE, NC 28269 | AFLAC | $45 | — | $45 | 0.14% |
| ELIZABETH HARKEY3 Filed as: ELIZABETH F DEMPSEY | 6152 VILLAGE DR NW CHARLOTTE, NC 28202 | AFLAC | $35 | — | $35 | 0.11% |
| LESLIE F MORSE3 | 244 TURNER RD PINEHURST, NC 28374 | AFLAC | $35 | — | $35 | 0.11% |
| LYNN B HODGE3 | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $30 | — | $30 | 0.09% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $29 | — | $29 | 0.09% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $26 | — | $26 | 0.08% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH P HURLEY | 20 BARROW AVE NE CONCORD, NC 28025 | AFLAC | $24 | — | $24 | 0.08% |
| ANA MARIA LEON3 Filed as: ANA B HEDMAN | 10885 NW 7TH ST APT 23 MIAMI, FL 33172 | AFLAC | $24 | — | $24 | 0.08% |
| KRISTEN HANCOCK3 | 268 MACALLAN DR BURLINGTON, NC 27215 | AFLAC | $21 | — | $21 | 0.07% |
| SUSAN O'CONNELL3 | 4930 VILLAGE GREEN DR EL DORADO, CA 95762 | AFLAC | $19 | — | $19 | 0.06% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AL 36561 | AFLAC | $19 | — | $19 | 0.06% |
| MARIA C ORTIZ3 | 7400 SW 50TH TER STE 300 MIAMI, FL 33155 | AFLAC | $18 | — | $18 | 0.06% |
| MICHELLE A KEATING3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $16 | — | $16 | 0.05% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $15 | — | $15 | 0.05% |
| MINDY HARRIS3 | 1158 WHITEHALL HILL RD YORK, SC 29745 | AFLAC | $13 | — | $13 | 0.04% |
| GWEN BUTLER3 | 203 29TH AVE N66 HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.04% |
| JEFFERY S GIBSON3 Filed as: JEFFERY GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $11 | — | $11 | 0.03% |
| MARTA M SASTRE3 Filed as: MARTA SASTRE | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $9 | — | $9 | 0.03% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $8 | — | $8 | 0.03% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $6 | — | $6 | 0.02% |
| DEBORAH JUNE CRISP3 | 1432 WHITMAN DR NW CONCORD, NC 28027 | AFLAC | $6 | — | $6 | 0.02% |
| RICHARD JONES3 Filed as: RICHARD J JONES | 12826 ENGLISH WALNUT LN CHARLOTTE, NC 28215 | AFLAC | $6 | — | $6 | 0.02% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $5 | — | $5 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 281 MOORESVILLE, NC 28117 | AFLAC | $5 | — | $5 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.00% |
| ALFRED RIETKERK3 | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $1 | — | $1 | 0.00% |
| HAROLD L STAFFORD3 | 4930 VILLAGE GREEN DR EL DORADO HILLS, NC 95762 | AFLAC | $1 | — | $1 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.00% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $55K | $20K | $76K | 2132.28% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $10K | $17K | 479.92% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $4K | $11K | 306.45% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $519 | $2K | 66.62% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $208 | $2K | 54.65% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $245 | $638 | $883 | 24.87% |
| RICHARD WORRELL LLC3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $307 | $37 | $344 | 9.69% |
| KEITH O MOELLER3 | 601 CARLSON PKWY STE 300 MINNETONKA, MN 55305 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $309 | $309 | 8.70% |
| CAROLE H. MARTIN3 Filed as: CAROLE H MARTIN | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8 | $262 | $270 | 7.61% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $15 | $219 | $234 | 6.59% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM RD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $6 | $208 | $214 | 6.03% |
| RICHARD WORRELL LLC3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2 | $56 | $58 | 1.63% |
| BRUCE JOHNSON POPE3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $471 | $439 | $910 | 58.00% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST. STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $483 | $138 | $621 | 39.58% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $42 | $115 | $157 | 10.01% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $34 | $106 | $140 | 8.92% |
| JAMES RICHARD WORRELL3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8 | $97 | $105 | 6.69% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5 | $81 | $86 | 5.48% |
| WILLIAM JOHN COOPER3 | STE 350 4 VANDERBILT PARK DR ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $29 | $37 | $66 | 4.21% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $30 | $12 | $42 | 2.68% |
| CAROLE H. MARTIN3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $9 | $9 | 0.57% |
| BERRY NET OFF LLC3 | STE 200 1201 EDWARDS MILL RD RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1 | $2 | $3 | 0.19% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM RD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $2 | $2 | 0.13% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP | 996 | $231K |
| Life insurance | GUARDIAN | 568 | $480K |
| Short-term disability | AFLAC | 41 | $32K |
| Long-term disability | GUARDIAN | 568 | $480K |
| Other(5 contracts, 4 carriers) | GUARDIAN | 582 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.