| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN D ADAMS3 Filed as: MARTIN D. ADAMS | PO BOX 1927 CLINTON, NC 28329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89K | $0 | $89K | 7.74% |
| MJ INSURANCE3 Filed as: PATRICIA GAREY AND VARIOUS AGENTS | 11285 HARRELLS HIGHWAY HARRELLS, NC 28444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 4.38% |
| JERRY T ANDREWS3 Filed as: JERRY T. ANDREWS | 902 WILLIAMS ROAD NEWBERN, NC 28562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34K | $0 | $34K | 2.98% |
| JACOB MATTHEWS3 | 209 AIRPORT ROAD CLINTON, NC 28528 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 2.46% |
| GREG SULLIVAN3 Filed as: GREG E. SULLIVAN | 210 SUTTONS RUN GOLDSBORO, NC 27534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | $0 | $28K | 2.45% |
| SANDRA ADAMS3 | 335 SPRUNT DRIVE CLINTON, NC 28228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 1.48% |
| TAMMY BRITT COOPER3 Filed as: TAMMY COOPER | 3712 A CLIFFRIDGE DRIVE LUMBERTON, NC 28358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 1.32% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $17K | $30K | 5.75% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 5.65% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.02% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.34% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF NORTH CAROLINA | $38K | $0 | $38K | 7.25% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | DELTA DENTAL OF NORTH CAROLINA | $18K | $0 | $18K | 3.50% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | COMMUNITY EYE CARE | $9K | $0 | $9K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $21K | $406 | $21K | 34.38% |
| SHAWHANKINS3 | 351 WASHINGTON AVENUE, SUITE 120 MARIETTA, GA 30060 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $0 | $406 | $406 | 0.66% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $996 | $0 | $996 | 7.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $254 | $0 | $254 | 1.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD, SUITE 300 CHARLOTTE, NC 28211 | GREATER GEORGIA LIFE | $2K | $0 | $2K | 25.45% |
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 | 3,134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 719 | $4.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NORTH CAROLINA | 2,677 | $582K |
| Vision(3 contracts, 3 carriers) | COMMUNITY EYE CARE | 1,397 | $166K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,134 | $534K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 5 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,134 | $1.7M |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 719 | $4.0M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,134 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,134 | — |
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.