| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $15K | $5K | $20K | 16.17% |
| LISA H MCKINNEY3 Filed as: LISA MCKINNEY | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $2K | $49 | $2K | 4.55% |
| BETTY C PAYNE3 Filed as: BETTY PAYNE | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $882 | — | $882 | 1.72% |
| ANNA WHISNANT3 | 14 HAMPTON LANE WEAVERVILLE, NC 28787 | AFLAC | $752 | — | $752 | 1.47% |
| SUSAN RUSSELL3 | 504 SIMMONS VIEW DR SEYMOUR, TN 37865 | AFLAC | $564 | — | $564 | 1.10% |
| JOHN PAYNE3 | 2771 UPPER PAW PAW ROAD MARSHALL, NC 28753 | AFLAC | $368 | — | $368 | 0.72% |
| JACOB M KIMSEY3 | 101 FOX COVE RD HENDERSONVILLE, NC 28792 | AFLAC | $317 | $10 | $327 | 0.64% |
| NATASHA ANN MCCORMICK3 Filed as: NATASHA MCCORMICK | 27 AMY'S WAY BLACK MOUNTAIN, NC 28711 | AFLAC | $298 | — | $298 | 0.58% |
| CAROLYN DUNLAP3 | 122 CAMILLE CIR YOUNGSVILLE, NC 27596 | AFLAC | $100 | — | $100 | 0.19% |
| KIMBERLY COXE3 | 106 1/2 SUMMER ST SWANNANOA, NC 28778 | AFLAC | $92 | — | $92 | 0.18% |
| CANDICE BRUNO3 | 23 BAILEY ROAD CANDLER, NC 28715 | AFLAC | $87 | — | $87 | 0.17% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $64 | — | $64 | 0.12% |
| TERRY J SILVERS3 Filed as: TERRY SILVERS | 100 GREENLEAF DR. FLAT ROCK, NC 28731 | AFLAC | $63 | — | $63 | 0.12% |
| DINA MARIE CARDEN3 | 945 PANTEGO BLVD SE BOLIVIA, NC 28422 | AFLAC | $56 | — | $56 | 0.11% |
| BARBARA VALENTINE3 | PO BOX 193 LAKE JUNALUSKA, NC 28745 | AFLAC | $38 | — | $38 | 0.07% |
| JOAN TAYLOR3 | 1841 NEEDMORE ROAD WHITESBURG, TN 37891 | AFLAC | $28 | — | $28 | 0.05% |
| DAVID G BAKER3 Filed as: DAVID BAKER | 1531 SUNFLOWER FIELD DR. MATTHEWS, NC 28104 | AFLAC | $24 | — | $24 | 0.05% |
| LARRY CHESTNUTT, JR3 | 3 DANIEL DR FLETCHER, NC 28732 | AFLAC | $22 | — | $22 | 0.04% |
| PATSY A BLANTON3 Filed as: PATSY BLANTON | 41 HIDDEN CONNOR HOLW SYLVA, NC 28779 | AFLAC | $21 | — | $21 | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $18 | — | $18 | 0.04% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $18 | — | $18 | 0.04% |
| JOHN M WASHO3 Filed as: JOHN WASHO | 24956 WOLF BAY TAR ORANGE BEACH, AL 36561 | AFLAC | $13 | — | $13 | 0.03% |
| CINDY HANSULT3 Filed as: CINDY HANSULT INS SERVICES INC | 673 JUSTIC RIDGE ROAD CANDLER, NC 28715 | AFLAC | $12 | — | $12 | 0.02% |
| KATRINA D AIKEN3 | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $8 | — | $8 | 0.02% |
| DENA JORDAN3 | 5753 HIGHWAY 85 N PMB 8179 CRESTVIEW, FL 32536 | AFLAC | $7 | — | $7 | 0.01% |
| RONALD MOSTO II3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $6 | — | $6 | 0.01% |
| TONY J DELBEN3 Filed as: TONY DELBEN | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $5 | — | $5 | 0.01% |
| EDWARD BURGIN3 | 1078 AUGUSTA DR. MARION, NC 28752 | AFLAC | $3 | — | $3 | 0.01% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $3 | — | $3 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2149 6TH STREET NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.01% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 4930 VILLAGE GREEN DR EL DORADO HILLS, CA 95762 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN C SIBEL3 Filed as: STEPHEN SIBEL | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $1 | — | $1 | 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 | 149 MALIBU RD MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD STE 1400 CHARLOTTE, NC 28210 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 564 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 192 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 564 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 564 | $122K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 564 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.