| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 939 BURLINGTON, NC 27216 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 2.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 301 SOUTH TRYON STREET, SUITE 2600 CHARLOTTE, NC 28282 | DELTA DENTAL OF NORTH CAROLINA | $84K | — | $84K | 9.22% |
| BRANDON HARVEY3 | PO BOX 8845 GREENSBORO, NC 27419 | AFLAC | $18K | $597 | $18K | 8.70% |
| MJ INSURANCE3 Filed as: KRISTINA ANDREWS AND VARIOUS AGENTS | 712 SUNSET DRIVE HIGH POINT, NC 27262 | AFLAC | $4K | $183 | $4K | 1.94% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS, LLC | PO BOX 1370 MOUNT PLEASANT, SC 29465 | AFLAC | $2K | — | $2K | 0.94% |
| GERALD HILL AND ASSOCIATES3 | 612 PASTEUR DRIVE, SUITE 100 GREENSBORO, NC 27403 | AFLAC | $1K | — | $1K | 0.70% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $1K | — | $1K | 0.64% |
| KELLY LEBSACK3 | 826 NORTH ELM STREET GREENSBORO, NC 27401 | AFLAC | $1K | $127 | $1K | 0.62% |
| C KING3 Filed as: C. KING | 931-B SOUTH MAIN STREET, SUITE 206 KERNERSVILLE, NC 27284 | AFLAC | $1K | — | $1K | 0.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | BENISTAR | $7K | — | $7K | 5.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA, INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| KRISTINA ANDREWS3 | 712 SUNSET DRIVE HIGH POINT, NC 27262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $768 | — | $768 | 3.09% |
| BRANDON HARVEY3 | PO BOX 8845 GREENSBORO, NC 27419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $658 | — | $658 | 2.65% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS, LLC | PO BOX 1370 MOUNT PLEASANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $432 | — | $432 | 1.74% |
| KELLY LEBSACK3 Filed as: KELLY D. LEBSACK | 3300 BATTLEGROUND AVENUE, SUITE 206 GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $358 | — | $358 | 1.44% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL JR. | 7021 MARSEILLES COURT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.51% |
| MJ INSURANCE3 Filed as: MEGHAN M. MILLER AND VARIOUS AGENTS | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.18% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.10% |
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 | 1,312 | 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) | 1,312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BENISTAR | 32 | $136K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,757 | $912K |
| Vision | VISION SERVICE PLAN | 1,287 | $119K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,312 | $956K |
| Short-term disability | AFLAC | 152 | $210K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,312 | $956K |
| Prescription drug | BENISTAR | 32 | $136K |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,312 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,757 | — |
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.