| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTY C PAYNE3 | 2771 UPPER PAW PAW RD MARSHALL, NC 28753 | AFLAC | $4K | $119 | $4K | 7.86% |
| JOHN PAYNE3 | 2771 UPPER PAW PAW RD MARSHALL, NC 28753 | AFLAC | $955 | — | $955 | 2.07% |
| SUSAN HAMER3 | 120 W. ALLEN STR. STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $748 | $26 | $774 | 1.68% |
| LISA H MCKINNEY3 | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $606 | $24 | $630 | 1.36% |
| CANDICE BRUNO3 | 23 BAILEY ROAD CANDLER, NC 28715 | AFLAC | $263 | — | $263 | 0.57% |
| J MICHAEL BUTLER3 | 1440 A OLD LENIOR RD NW HICKORY, NC 28601 | AFLAC | $175 | $9 | $184 | 0.40% |
| CAROLYN DUNLAP3 | 17 WHITE PINE CIRCLE FLETCHER, NC 28732 | AFLAC | $165 | — | $165 | 0.36% |
| TERRY J SILVERS3 Filed as: TERRY SILVERS | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $150 | — | $150 | 0.32% |
| JAMES POND3 | 1700 ROBBINS ROAD, LOT 170 GRAND HAVEN, MI 49417 | AFLAC | $114 | — | $114 | 0.25% |
| BARBARA VALENTINE3 | P.O. BOX 193 LAKE JUNALUSKA, NC 28745 | AFLAC | $112 | — | $112 | 0.24% |
| DAVID G BAKER3 Filed as: DAVID BAKER | 1531 SUNFLOWER FIELD PLACE MATTHEWS, NC 28104 | AFLAC | $104 | — | $104 | 0.23% |
| EDWARD BURGIN3 | 1078 AUGUSTA DRIVE MARION, NC 28752 | AFLAC | $93 | $10 | $103 | 0.22% |
| EDWARD RHETT BERRY3 Filed as: EDWARD BERRY | 4225 DAVID STREET APT B FAYETTEVILLE, NC 28304 | AFLAC | $65 | — | $65 | 0.14% |
| PATSY A BLANTON3 Filed as: PATSY BLANTON | 150 BROOKS COVE ROAD BLACK MOUNTAIN, NC 28711 | AFLAC | $59 | — | $59 | 0.13% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $44 | — | $44 | 0.10% |
| LARRY CHESTNUTT, JR3 | 44 NEVADA AVE ASHEVILLE, NC 28806 | AFLAC | $43 | — | $43 | 0.09% |
| JOHN M WASHO3 Filed as: JOHN WASHO | 106 CEDAR BLUFF COURT ALEDO, TX 76008 | AFLAC | $41 | — | $41 | 0.09% |
| JOAN TAYLOR3 | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $34 | — | $34 | 0.07% |
| BARBARA SPICER3 | 12509 SPRING CRESS COURT MIDLOTHIAN, VA 23114 | AFLAC | $26 | — | $26 | 0.06% |
| DOROTHY DAVIS3 | 135 BELLE BERNON LN MILLS RIVER, NC 28759 | AFLAC | $26 | — | $26 | 0.06% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVE, STE 200 LA MESA, CA 91942 | AFLAC | $25 | — | $25 | 0.05% |
| NITA SHARON HULL3 Filed as: NITA HULL | 3830 BLUE DASHER DRIVE KISSIMMEE, FL 34744 | AFLAC | $23 | — | $23 | 0.05% |
| TIMOTHY HULL3 | 8464 SE 177TH PENMAN PL THE VILLAGES, FL 32162 | AFLAC | $23 | — | $23 | 0.05% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $22 | — | $22 | 0.05% |
| JANICE ADAMS3 Filed as: JANICE B ADAMS | 209 WOODLAND CT BLACK MOUNTAIN, NC 28711 | AFLAC | $19 | — | $19 | 0.04% |
| JANICE R HUSEBO3 Filed as: JANICE HUSEBO | P.O. BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $16 | — | $16 | 0.03% |
| MICHAEL E DAMITZ3 | 183 SANDS ROAD CARTHAGE, NC 28327 | AFLAC | $15 | — | $15 | 0.03% |
| DANIEL A JAMIE3 | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $14 | — | $14 | 0.03% |
| JANICE C BOYD3 | 586 OAK GROVE RD FLAT ROCK, NC 28731 | AFLAC | $12 | — | $12 | 0.03% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $12 | — | $12 | 0.03% |
| JUANITA L BOWEN3 | 1518 EMILY DR. LAURINBURG, NC 28352 | AFLAC | $8 | — | $8 | 0.02% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 2888 ALOMA LAKE RUN STE 2300 OVIEDO, FL 32765 | AFLAC | $6 | — | $6 | 0.01% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $5 | — | $5 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $4 | — | $4 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 CORPORATE CNTR DR CHARLOTTE, NC 28226 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.48% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CNTR DR CHARLOTTE, NC 28226 | UNITED HEALTHCARE INSURANCE COMPANY | $303 | — | $303 | 1.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $114 | $2K | 10.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $44 | $1K | 15.63% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 189 | $20K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $39K |
| Other(3 contracts, 2 carriers) | AFLAC | 234 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.