| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA H MCKINNEY3 Filed as: LISA MCKINNEY | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $4K | $198 | $4K | 5.58% |
| BETTY C PAYNE3 Filed as: BETTY PAYNE | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $1K | — | $1K | 1.86% |
| ANNA WHISNANT3 | 14 HAMPTON LANE WEAVERVILLE, NC 28787 | AFLAC | $1K | — | $1K | 1.46% |
| NATASHA ANN MCCORMICK3 Filed as: NATASHA MCCORMICK | 27 AMY'S WAY BLACK MOUNTAIN, NC 28711 | AFLAC | $860 | $62 | $922 | 1.32% |
| KIMBERLY COXE3 | 49 MARLOWE DR ASHEVILLE, NC 28801 | AFLAC | $813 | $66 | $879 | 1.26% |
| SUSAN RUSSELL3 | 120 W. ALLEN STR. STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $783 | $7 | $790 | 1.13% |
| JACOB M KIMSEY3 | 111 BROOKSTONE CT HENDERSONVILLE, NC 28792 | AFLAC | $544 | $55 | $599 | 0.86% |
| JOHN PAYNE3 | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $514 | — | $514 | 0.74% |
| DINA MARIE CARDEN3 | PO BOX 1669 WEAVERVILLE, NC 28787 | AFLAC | $241 | — | $241 | 0.35% |
| CANDICE BRUNO3 | 23 BAILY ROAD CANDLER, NC 28715 | AFLAC | $146 | — | $146 | 0.21% |
| TERRY J SILVERS3 Filed as: TERRY SILVERS | 100 GREENLEAF DR. FLAT ROCK, NC 28731 | AFLAC | $104 | — | $104 | 0.15% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $87 | — | $87 | 0.12% |
| BARBARA VALENTINE3 | PO BOX 193 LAKE JUNALUSKA, NC 28745 | AFLAC | $65 | — | $65 | 0.09% |
| BARBARA SPICER3 | 12509 SPRINGS CRESS COURT MIDLOTHIAN, VA 23114 | AFLAC | $53 | — | $53 | 0.08% |
| EDWARD BURGIN3 | 1078 AUGUSTA DR. MARION, NC 28752 | AFLAC | $50 | — | $50 | 0.07% |
| DAVID G BAKER3 Filed as: DAVID BAKER | 1531 SUNFLOWER FIELD DR. MATTHEWS, NC 28104 | AFLAC | $48 | — | $48 | 0.07% |
| PATSY A BLANTON3 Filed as: PATSY BLANTON | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $47 | — | $47 | 0.07% |
| JOAN TAYLOR3 | 1841 NEEDMORE ROAD WHITESBURG, TN 37891 | AFLAC | $34 | — | $34 | 0.05% |
| JAMES POND3 | 1700 ROBBINS ROAD, LOT 170 GRAND HAVEN, MI 49417 | AFLAC | $32 | — | $32 | 0.05% |
| LARRY CHESTNUTT, JR3 | 300 LONG SHOALS ROAD APT 16T ARDEN, NC 28704 | AFLAC | $28 | — | $28 | 0.04% |
| EXCEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $27 | — | $27 | 0.04% |
| CAROLYN DUNLAP3 | 17 WHITE PINE CIRCLE FLETCHER, NC 28732 | AFLAC | $22 | — | $22 | 0.03% |
| JANICE ADAMS3 | 92 RIDDLE ROAD SWANNANOA, NC 28778 | AFLAC | $22 | — | $22 | 0.03% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $22 | — | $22 | 0.03% |
| CINDY HANSULT3 | 673 JUSTIC RIDGE ROAD CANDLER, NC 28715 | AFLAC | $21 | — | $21 | 0.03% |
| JOHN M WASHO3 Filed as: JOHN WASHO | 106 CEDAR BLUFF COURT ALEDO, TX 76008 | AFLAC | $17 | — | $17 | 0.02% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY, STE 100 CHARLOTTE, NC 28269 | AFLAC | $11 | — | $11 | 0.02% |
| RONALD MOSTO II3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $9 | — | $9 | 0.01% |
| TONY J DELBEN3 Filed as: TONY DELBEN | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $9 | — | $9 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $8 | — | $8 | 0.01% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $6 | — | $6 | 0.01% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 10722 NW 20TH DR CORAL SPRINGS, FL 33071 | AFLAC | $4 | — | $4 | 0.01% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2149 6TH STREET NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.00% |
| STEPEHN SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $2 | — | $2 | 0.00% |
| GARRETT A ROLL3 Filed as: GARRETT ROLL | 301 MAPLE RIDGE STREET BOWLING GREEN, KY 42101 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MILLER3 | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC MILLER3 | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 4.61% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD STE 1400 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET FL 24 CINCINATTI, OH 452022701 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $700 | $700 | 3.11% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $22K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 235 | $38K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 241 | $38K |
| Other(2 contracts, 2 carriers) | AFLAC | 235 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.