| 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 | — | $2K | $2K | 0.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 1.82% |
| JOSH FIELDS SERVICES INC3 | 160 N MAIN ST STE 8 WAYNESVILLE, NC 28786 | AFLAC | $2K | $26 | $2K | 6.10% |
| LAUREN GREENWOOD3 Filed as: LAUREN S GREENWOOD | 1026 PENNINGTON DR LANCASTER, SC 29720 | AFLAC | $1K | $11 | $1K | 3.79% |
| JACOB M KIMSEY3 | 1846 BREVARD RD ARDEN, NC 28704 | AFLAC | $197 | — | $197 | 0.58% |
| JULIE W CRAIG3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $190 | — | $190 | 0.56% |
| WILLIAM P FLEMING3 | 120 PEARSON DR MORGANTON, NC 28655 | AFLAC | $143 | — | $143 | 0.42% |
| SUSAN RUSSELL3 | 120 ROCKWOOD DR HENDERSONVILLE, NC 28792 | AFLAC | $133 | $6 | $139 | 0.41% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $131 | $3 | $134 | 0.40% |
| PATSY A BLANTON3 | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $111 | — | $111 | 0.33% |
| MITCHELL KEITH RUFF3 | 42 ECHO TRL CANTON, NC 28716 | AFLAC | $77 | $6 | $83 | 0.25% |
| TERRI G MOOSE3 | 168 BRADFORD PLACE LN LEWISVILLE, NC 27023 | AFLAC | $78 | — | $78 | 0.23% |
| ADRIAN STOUT3 Filed as: ADRIAN C STOUT | 18404 MIZZENMAST AVE CORNELIUS, NC 28031 | AFLAC | $62 | — | $62 | 0.18% |
| MINDY HARRIS3 | 1158 WHITEHALL HILL RD YORK, SC 29745 | AFLAC | $60 | — | $60 | 0.18% |
| MICHAEL R HURD3 | 10103 RIVENDELL LN CHARLOTTE, NC 28269 | AFLAC | $45 | — | $45 | 0.13% |
| MICHAEL R KARAFFA3 | 7913 LAKEVIEW DR DENVER, NC 28037 | AFLAC | $45 | — | $45 | 0.13% |
| ELIZABETH HARKEY3 Filed as: ELIZABETH F DEMPSEY | 6152 VILLAGE DR NW CHARLOTTE, NC 28202 | AFLAC | $35 | — | $35 | 0.10% |
| LESLIE F MORSE3 | 140 RIVER COURT PKWY ATLANTA, GA 30328 | AFLAC | $35 | — | $35 | 0.10% |
| CAMMY S NICKS3 | 1548 VARNIE RD YADKINVILLE, NC 27055 | AFLAC | $33 | — | $33 | 0.10% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $31 | — | $31 | 0.09% |
| LYNN B HODGE3 | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $30 | — | $30 | 0.09% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4030 TATES CREEK RD APT 1004 CONSHOHOCKEN, PA 40517 | AFLAC | $27 | — | $27 | 0.08% |
| 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 | 0.07% |
| ANA MARIA LEON3 Filed as: ANA B HEDMAN | 10885 NW 7TH ST APT 23 MIAMI, FL 33172 | AFLAC | $24 | — | $24 | 0.07% |
| KRISTEN HANCOCK3 | 144 4TH ST APT 233 BURLINGTON, NC 27215 | AFLAC | $21 | — | $21 | 0.06% |
| SUSAN J O'CONNELL3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $20 | — | $20 | 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 | 0.05% |
| 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 | 0.04% |
| JIMMY D BOONE3 | 12626 BAYPOINTE TER CORTEZ, FL 34215 | AFLAC | $14 | — | $14 | 0.04% |
| JANICE R HUSEBO3 | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $13 | — | $13 | 0.04% |
| DEBORAH JUNE CRISP3 | 1432 WHITMAN DR NW CONCORD, NC 28027 | AFLAC | $10 | $3 | $13 | 0.04% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $12 | — | $12 | 0.04% |
| JANNEY HUSEBO3 Filed as: JANNEY A HUSEBO | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $12 | — | $12 | 0.04% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $10 | — | $10 | 0.03% |
| MARTA M SASTRE3 | 1214 COLUMBUS BLVD CORAL GABLES, FL 33134 | AFLAC | $9 | — | $9 | 0.03% |
| BRENDA L WILSON3 | PO BOX 1604 BLACK MOUNTAIN, NC 28711 | AFLAC | $9 | — | $9 | 0.03% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 9300 HARRIS CORNERS PKWY STE 100 CHARLOTTE, NC 28269 | AFLAC | $8 | — | $8 | 0.02% |
| BETTY C PAYNE3 | 2771 UPPER PAW PAW RD MARSHALL, NC 28753 | AFLAC | $7 | — | $7 | 0.02% |
| RICHARD JONES3 Filed as: RICHARD J JONES | 12826 ENGLISH WALNUT LN CHARLOTTE, NC 28215 | AFLAC | $6 | — | $6 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 281 MOORESVILLE, NC 28117 | AFLAC | $5 | — | $5 | 0.01% |
| HAROLD L STAFFORD3 | 8544 TOWNLEY RD APT 1B HUNTERSVILLE, NC 28078 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.01% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $3 | — | $3 | 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% |
| DEBORAH L JONGES3 | PO BOX 5432 BELLA VISTA, AR 72714 | AFLAC | $1 | — | $1 | 0.00% |
| JAVIER L ORTIZ3 | 9620 NE 2ND AVE STE 203 MIAMI SHORES, FL 33138 | AFLAC | $1 | — | $1 | 0.00% |
| FRANK ROBERT SOBOCINSKI3 | 2000 PGA BLVD STE 4440 PALM BEACH GARDENS, FL 33408 | AFLAC | $1 | — | $1 | 0.00% |
| BARBARA W DEBERRY3 Filed as: BARBARA W. DEBERRY | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $50K | $18K | $67K | 1420.14% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $6K | $8K | $14K | 293.29% |
| WILLIAM JOHN COOPER3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $9K | $4K | $14K | 288.45% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $660 | $3K | 64.39% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $126 | $1K | 24.89% |
| BERRY NET OFF LLC3 | 1201 EDWARDS MILL RD RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $746 | $90 | $836 | 17.65% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $551 | $551 | 11.63% |
| CAROLE H. MARTIN3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $155 | $368 | $523 | 11.04% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST. STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $195 | $316 | $511 | 10.79% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $112 | $270 | $382 | 8.06% |
| KEITH O MOELLER3 | 601 CARLSON PKWY STE 300 MINNETONKA, MN 55305 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $309 | $309 | 6.52% |
| RICHARD WORRELL LLC3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $61 | $247 | $308 | 6.50% |
| BRUCE JOHNSON POPE3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $296 | $618 | $914 | 72.77% |
| ARTHEA STAEGER REED3 | 138 CHARLOTTE ST. STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $345 | $98 | $443 | 35.27% |
| DONALD EUGENE REED3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $54 | $83 | $137 | 10.91% |
| JAMES RICHARD WORRELL3 | 6235 CARNEGIE BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $69 | $97 | 7.72% |
| JENNIFER MARLOWE3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $72 | $72 | 5.73% |
| WILLIAM JOHN COOPER3 | STE 350 4 VANDERBILT PARK DR ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $26 | $34 | $60 | 4.78% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $59 | $59 | 4.70% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $27 | $11 | $38 | 3.03% |
| CAROLE H. MARTIN3 | 138 CHARLOTTE ST STE 200 ASHEVILLE, NC 28801 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $9 | $13 | 1.04% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM RD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1 | $2 | $3 | 0.24% |
| BERRY NET OFF LLC3 | STE 200 1201 EDWARDS MILL RD RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $2 | $2 | 0.16% |
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 | 552 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 961 | $110K |
| Life insurance | GUARDIAN | 554 | $411K |
| Long-term disability | GUARDIAN | 554 | $411K |
| Other(5 contracts, 4 carriers) | GUARDIAN | 554 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.