| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BETTY C PAYNE3 | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $4K | $231 | $4K | 8.05% |
| LISA H MCKINNEY3 | 56 GLEN COVE DR ARDEN, NC 28704 | AFLAC | $1K | $71 | $1K | 2.46% |
| SUSAN HAMER3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $981 | $71 | $1K | 1.99% |
| CAROLYN DUNLAP3 | 17 WHITE PINE CIR FLETCHER, NC 28732 | AFLAC | $777 | $125 | $902 | 1.71% |
| JOHN PAYNE3 Filed as: JOHN R PAYNE | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $649 | $1 | $650 | 1.23% |
| CANDICE BRUNO3 | 23 BAILEY ROAD CANDLER, NC 28715 | AFLAC | $215 | — | $215 | 0.41% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $119 | — | $119 | 0.23% |
| TERRY J SILVERS3 | 100 GREENLEAF DRIVE FLAT ROCK, NC 28731 | AFLAC | $115 | — | $115 | 0.22% |
| BARBARA VALENTINE3 Filed as: BARBARA G VALENTINE | PO BOX 193 LAKE JUNALUSKA, NC 28745 | AFLAC | $104 | — | $104 | 0.20% |
| JAMES POND3 Filed as: JAMES I POND | 1700 ROBBINS ROAD, LOT 170 GRAND HAVEN, MI 49417 | AFLAC | $96 | — | $96 | 0.18% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $82 | — | $82 | 0.16% |
| EDWARD BURGIN3 Filed as: EDWARD E BURGIN | 1078 AUGUST DR MARION, NC 28752 | AFLAC | $61 | — | $61 | 0.12% |
| EDWARD RHETT BERRY3 | 4225 DAVID ST APT B FAYETTEVILLE, NC 28304 | AFLAC | $59 | — | $59 | 0.11% |
| PATSY A BLANTON3 | 150 BROOKS COVE ROAD BLACK MOUNTAIN, NC 28711 | AFLAC | $49 | — | $49 | 0.09% |
| LARRY DEAN CHESTNUTT JR3 | 44 NEVADA AVE ASHEVILLE, NC 28806 | AFLAC | $40 | — | $40 | 0.08% |
| EXSEPTOINAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $38 | — | $38 | 0.07% |
| JOAN TAYLOR3 Filed as: JOAN E TAYLOR | 1841 NEEDMORE ROAD WHITESBURG, TN 37891 | AFLAC | $31 | — | $31 | 0.06% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $28 | — | $28 | 0.05% |
| BARBARA SPICER3 Filed as: BARBARA K SPICER | 12509 SPRING CRESS CT MIDLOTHIAN, VA 23114 | AFLAC | $24 | — | $24 | 0.05% |
| DOROTHY DAVIS3 Filed as: DOROTHY M DAVIS | 135 BELLE VERNON LN MILLS RIVER, NC 28759 | AFLAC | $24 | — | $24 | 0.05% |
| KRISTIN BEAN3 | 8220 UNIVERSITY AVE STE 200 LA MESA, CA 91942 | AFLAC | $23 | — | $23 | 0.04% |
| NITA SHARON HULL3 | 3830 BLUE DASHER DR KISSIMMEE, FL 34744 | AFLAC | $21 | — | $21 | 0.04% |
| TIMOTHY HULL3 Filed as: TIMOTHY L HULL | 4187 SETTER CT MYRTLE BEACH, SC 29579 | AFLAC | $21 | — | $21 | 0.04% |
| WANDA STEPP3 Filed as: WANDA F STEPP | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $20 | — | $20 | 0.04% |
| JANICE ADAMS3 Filed as: JANICE B ADAMS | 209 WOODLAND CT BLACK MOUNTAIN, NC 28711 | AFLAC | $18 | — | $18 | 0.03% |
| MICHAEL E DAMITZ3 | 183 SANDS ROAD CARTHAGE, NC 28711 | AFLAC | $13 | — | $13 | 0.02% |
| DENA JORDAN3 Filed as: DENA L JORDAN | 641 HIGUERA ST STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $13 | — | $13 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $12 | — | $12 | 0.02% |
| RONALD MOSTO II3 Filed as: RONALD S MOSTO II | 204 S 35TH ST STE 100 COUNCIL BLUFFS, IA 51501 | AFLAC | $12 | — | $12 | 0.02% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $10 | — | $10 | 0.02% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $10 | — | $10 | 0.02% |
| JANICE R HUSEBO3 | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $8 | — | $8 | 0.02% |
| JANNEY HUSEBO3 Filed as: JANNEY A HUSEBO | PO BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $8 | — | $8 | 0.02% |
| JANICE C BOYD3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $8 | — | $8 | 0.02% |
| JUANITA L BOWEN3 | 1518 EMILY DRIVE LAURENBURG, NC 28352 | AFLAC | $7 | — | $7 | 0.01% |
| JULIE W CRAIG3 | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $5 | — | $5 | 0.01% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN STE 2300 OVIEDO, FL 32765 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH A WITHEY3 | 4026 MAIN AVENUE DR NW HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 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 | $3 | — | $3 | 0.01% |
| JULIE W CRAIG3 | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.00% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN STE 2300 OVIEDO, FL 32765 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA B KEITH3 | 614 MAGNOLIA AVE OCEAN SPRINGS, MS 39564 | AFLAC | $1 | — | $1 | 0.00% |
| GARRETT A ROLL3 | 2806 GARRETT DR BOWLING GREEN, KY 42104 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| ANNA WHISNANT3 | 14 HAMPTON LN WEAVERVILLE, NC 28787 | AFLAC | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $1K | $4K | 14.12% |
| USI INSURANCE SERVICES LLC3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.78% |
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 | 259 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 159 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 239 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $47K |
| Other | AFLAC | 92 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.