| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLOTTE GREY INC3 | 119 NORTH GREEN STREET STATESVILLE, NC 28877 | AFLAC | $24K | $2K | $25K | 12.94% |
| KATHERINE L SIMOS3 Filed as: KATHERINE SIMOS | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $5K | $318 | $5K | 2.53% |
| KIM J WILLIAMS3 Filed as: KIM WILLIAMS | 4406 FORREST VALLEY CIR VALDOSTA, GA 31602 | AFLAC | $3K | $305 | $4K | 1.90% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $1K | $14 | $1K | 0.68% |
| LEIGHANNE A MABE3 Filed as: LEIGHANNE MOODY | 3010 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $1K | — | $1K | 0.62% |
| KIMBERLY MYERS3 | 257 PEOPLES CREEK RD ADVANCE, NC 27006 | AFLAC | $1K | — | $1K | 0.55% |
| LYNN W RACKEMANN3 Filed as: LYNN RACKEMANN | 1160 BROWDER FARM RD GERMANTON, NC 27019 | AFLAC | $967 | — | $967 | 0.49% |
| DEE W SLATER3 Filed as: DEE SLATER | 6847 WELLSLEY CT CLEMMONS, NC 27012 | AFLAC | $471 | — | $471 | 0.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JOHN BROWN | PO BOX 501 JEFFERSON, NC 28640 | AFLAC | $424 | — | $424 | 0.22% |
| MARY E BECKER3 | 685 LAKEMONT TRAIL MOUNT AIRY, NC 27030 | AFLAC | $398 | — | $398 | 0.20% |
| PEGGY MORRIS3 | 2720 WOODLORE TRAIL WINSTON SALEM, NC 27103 | AFLAC | $368 | — | $368 | 0.19% |
| MATTHEW G WILLIAMS3 Filed as: MATTHEW WILLIAMS | 2495 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $329 | — | $329 | 0.17% |
| JOANNE SCHERER3 | 1028 WATER LN JONESVILLE, NC 28642 | AFLAC | $270 | — | $270 | 0.14% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $220 | — | $220 | 0.11% |
| JAMES R HILL JR3 Filed as: JAMES HILL JR | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | AFLAC | $203 | — | $203 | 0.10% |
| KELLY LEBSACK3 | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $202 | — | $202 | 0.10% |
| DONNA N DWYER3 Filed as: DONNA WACHTER | 2072 1/2 S HAWTHORNE ROAD WINSTON SALEM, NC 27103 | AFLAC | $144 | — | $144 | 0.07% |
| HEATHER BUTNER3 | 175 CABOT DR WINSTON SALEM, NC 27103 | AFLAC | $139 | — | $139 | 0.07% |
| AIMEE WAGONER3 | PO BOX 826 DOBSON, NC 27017 | AFLAC | $35 | — | $35 | 0.02% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $28 | — | $28 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: KATHY BROWN | PO BOX 501 JEFFERSON, NC 28840 | AFLAC | $27 | — | $27 | 0.01% |
| ALFRED E DEVINE3 Filed as: ALFRED DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $12 | — | $12 | 0.01% |
| JASON BRYANT3 | 165 PERIWINKLE LN STATE ROAD, NC 28676 | AFLAC | $9 | — | $9 | 0.00% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $9 | — | $9 | 0.00% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2155 8TH ST NW HICKORY, NC 28601 | AFLAC | $8 | — | $8 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $7 | — | $7 | 0.00% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $6 | — | $6 | 0.00% |
| RACHEL E HUSE3 Filed as: RACHEL HUSE | 3919 WATFORD WAY FAYETTEVILLE, NC 28306 | AFLAC | $5 | — | $5 | 0.00% |
| LINDA B CAMPBELL3 Filed as: LINDA CAMPBELL | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $4 | — | $4 | 0.00% |
| ALVIN LILLEY3 | 8066 OLD REIDSVILLE RD BROWNS SUMMIT, NC 27214 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDON ADAMS3 | 74 CROWN COLONY RD ST AUGUSTINE, FL 32092 | AFLAC | $2 | — | $2 | 0.00% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH CUSHING3 | 7910 MORRELL LN DURHAM, NC 27713 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | — | $1 | 0.00% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DR KERNERSVILLE, NC 27284 | AFLAC | $1 | — | $1 | 0.00% |
| JULIE W CRAIG3 Filed as: JULIE CRAIG | 15655 77TH TRL N PALM BEACH GARDENS, FL 33418 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1020 DRAYTON STREET 2ND FLOOR SUITE 200 SAVANAH, GA 31401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $6K | $11K | 9.56% |
| CHARLOTTE H GREY3 | 119 NORTH GREEN STREET STATESVILLE, NC 28677 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.26% |
| KATHERINE L SIMOS3 | 3309 CLARICE AVE PFAFFTOWN, NC 27040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.75% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 1.44% |
| KIMBERLY MYERS3 Filed as: KIMBERLY S MYERS | 257 PEOPLES CREEK RD ADVANCE, NC 27006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $819 | — | $819 | 1.30% |
| JAMES R HILL JR3 | 7021 MARSEILLES CT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.27% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.23% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| RUSSELL W TINNEY3 | 824 S MILLS RD MOYOCK, NC 27958 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| CYRUS H KING3 | 1772 GREENSPOINT CT MT PLEASANT, SC 29466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| BRANDON C ADAMS3 | 6402 BIRKDALE DR GREENSBORO, NC 27410 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE BENEFIT COMPANY INC3 | P.O. BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 0.68% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3318 WEST FRIENDLY AVE GREENSBORO, NC 27410 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $697 | $0 | $697 | 10.01% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47 | $47 | 0.67% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $115K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $115K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 258 | $204K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $13K |
| Other(3 contracts, 3 carriers) | AFLAC | 258 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.