| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HYNES COMPANIES INC3 | 8024 GLENWOOD AVE RALEIGH, NC 27612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 8.55% |
| THE HYNES COMPANIES INC3 | 8024 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $13K | — | $13K | 9.74% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | — | $7K | 5.30% |
| SUSAN E. KEELER3 | 9222 54TH CT E PARRISH, FL 34219 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.69% |
| KIMBERLY MYERS3 Filed as: KIMBERLY S. MYERS | 257 PEOPLES CREEK RD ADVANCE, NC 27006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $629 | — | $629 | 2.84% |
| KIM J WILLIAMS3 Filed as: KIM J. WILLIAMS | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 1.82% |
| DEE W SLATER3 Filed as: DEE W. SLATER | 155 EXETER COURT WINSTON-SALEM, NC 27103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | — | $264 | 1.19% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.37% |
| HEATHER BUTNER3 | 2540 POLO RD WINSTON-SALEM, NC 27106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.33% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL, JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.12% |
| KATRINA D AIKEN3 Filed as: KATRINA D. AIKEN | 3462 38TH ST DR NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.09% |
| RUSSELL W TINNEY3 Filed as: RUSSELL W. TINNEY | 11520 NUCKOLS RD, STE. 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.09% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.08% |
| BRANDON C ADAMS3 Filed as: BRANDON C. ADAMS | 6402 BIRKDALE DRIVE GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.07% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.04% |
| ALFRED E DEVINE3 Filed as: ALFRED E. DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M. MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ELIZABETH CUSHING3 | 9 WATER GARDEN WAY DURHAM, NC 27713 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| MIKE BUTLER3 | 1440-A OLD LENOIR ROAD NW HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH A. WITHEY | 2155 6TH ST NE HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RUSSELL W TINNEY3 Filed as: RUSSELL W. TINNEY | 824 S MILLS RD MOYOCK, NC 27958 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SUSAN E. KEELER3 | 9222 54TH CT E PARRISH, FL 34219 | AFLAC | $994 | $24 | $1K | 4.97% |
| KIMBERLY MYERS3 Filed as: KIMBERLY S. MYERS | 257 PEOPLES CREEK RD ADVANCE, NC 27006 | AFLAC | $224 | $24 | $248 | 1.21% |
| KIM J WILLIAMS3 Filed as: KIM J. WILLIAMS | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $174 | $10 | $184 | 0.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN H. BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $165 | — | $165 | 0.81% |
| PEGGY MORRIS3 | 2720 WOODLORE TRAIL WINSTON-SALEM, NC 27103 | AFLAC | $137 | — | $137 | 0.67% |
| DEE W SLATER3 Filed as: DEE W. SLATER | 6847 WELLSLEY CT CLEMMONS, NC 27012 | AFLAC | $110 | $3 | $113 | 0.55% |
| JENNY L T NELSON3 | PO BOX 1066 NORTH WILKESBORO, NC 28659 | AFLAC | $103 | — | $103 | 0.50% |
| SUSAN M. LUEBCHOW3 | 390 PILOT RIDGE DRIVE LEWISVILLE, NC 27023 | AFLAC | $84 | — | $84 | 0.41% |
| J MICHAEL BUTLER3 | 1440 OLD LENIOR RD, STE A HICKORY, NC 28601 | AFLAC | $76 | — | $76 | 0.37% |
| HEATHER BUTNER3 | 175 CABOT DRIVE WINSTON-SALEM, NC 27103 | AFLAC | $72 | $2 | $74 | 0.36% |
| THOMAS L LUEBCHOW3 | 390 PILOT RIDGE DRIVE LEWISVILLE, NC 27023 | AFLAC | $73 | — | $73 | 0.36% |
| CATHERINE A LEPORE3 | 1113 MEDINA RD, STE 500 MEDINA, OH 44256 | AFLAC | $43 | — | $43 | 0.21% |
| GAIL M. DAWSON3 | PO BOX 214 HUDDLESTON, VA 24104 | AFLAC | $24 | — | $24 | 0.12% |
| MARK L HUFHAND3 Filed as: MARK L. HUFHAND | 3313 LEE ST NW NORTH CANTON, OH 44720 | AFLAC | $22 | — | $22 | 0.11% |
| CWH INC3 | 6416 FALCONWOOD CT MOBILE, AL 36695 | AFLAC | $16 | — | $16 | 0.08% |
| JAMES R HILL JR3 Filed as: JAMES R HILL JR. | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $16 | — | $16 | 0.08% |
| JUDY L MCCULLOUGH3 Filed as: JUDY L. MCCULLOUGH | PO BOX 449 FOREST, VA 24551 | AFLAC | $13 | — | $13 | 0.06% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $12 | — | $12 | 0.06% |
| JAMES HARTMAN3 | 2801 GILL ROAD MOBILE, AL 36605 | AFLAC | $10 | — | $10 | 0.05% |
| LAURA T DRAY3 Filed as: LAURA T. DRAY | 686 OAK VALLEY BLVD ADVANCE, NC 27006 | AFLAC | $9 | — | $9 | 0.04% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT GUTHRIE | 5401 ASHBURY CT TYLER, TX 75703 | AFLAC | $6 | — | $6 | 0.03% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $5 | — | $5 | 0.02% |
| REGINA G MARTIN3 Filed as: REGINA G. MARTIN | 1032 OCEAN BLVD W SUPPLY, NC 28462 | AFLAC | $5 | — | $5 | 0.02% |
| LORRAINE MALO3 | 10254 DOGWOOD STREET FIRESTONE, CO 80504 | AFLAC | $4 | — | $4 | 0.02% |
| ELLA OGLESBY3 | 10002 SUMMER WOODS CT MOBILE, AL 36695 | AFLAC | $3 | — | $3 | 0.01% |
| RUSSELL W TINNEY3 Filed as: RUSSELL W. TINNEY | 824 S MILLS RD MOYOCK, NC 27958 | AFLAC | $1 | — | $1 | 0.00% |
| KELLY LEBSACK3 Filed as: KELLY D. LEBSACK | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $1 | — | $1 | 0.00% |
| RITA B. LINVILLE3 Filed as: RITA LINVILLE | 251 MEADOW BEAUTY DR APEX, NC 27539 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 3206 WALES AVE CLEVELAND, OH 44134 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD J GRETHEL3 Filed as: RONALD ORETHEL | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $1 | — | $1 | 0.00% |
| ALFRED E DEVINE3 Filed as: ALFRED E. DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $1 | — | $1 | 0.00% |
| THE HYNES COMPANIES INC3 | 8024 GLENWOOD AVE, STE. 110 RALEIGH, NC 27612 | COMMUNITY EYE CARE | $2K | — | $2K | 10.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO | Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Participant communication; Contract Administrator; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $12K |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $372K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $372K |
| Vision | COMMUNITY EYE CARE | 288 | $17K |
| Life insurance | USABLE LIFE | 259 | $129K |
| Short-term disability | USABLE LIFE | 259 | $129K |
| Long-term disability | USABLE LIFE | 259 | $129K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 126 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.