| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $92K | $12K | $104K | 16.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2975 REGENT BOULEVARD IRVING, TX 75063 | DELTA DENTAL OF NORTH CAROLINA | $57K | — | $57K | 11.78% |
| SHEILA B. BAXTER3 | PO BOX 642 TABOR CITY, NC 28463 | AFLAC | $12K | $210 | $12K | 11.26% |
| MARTIN D ADAMS3 Filed as: MARTIN D. ADAMS | PO BOX 1927 CLINTON, NC 28329 | AFLAC | $3K | $42 | $3K | 2.56% |
| MJ INSURANCE3 Filed as: DANIEL DUNNE III AND VARIOUS AGENTS | 3421 DIXIANA LANE PFAFFTOWN, NC 27040 | AFLAC | $2K | — | $2K | 2.13% |
| MAURICE WATSON3 Filed as: MAURICE R. WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | AFLAC | $1K | — | $1K | 1.20% |
| JOEL S WADDELL3 Filed as: JOEL S. WADDELL | 354 NC 581 HIGHWAY SOUTH GOLDSBORO, NC 27530 | AFLAC | $1K | $42 | $1K | 1.10% |
| RODERICK WHITFORD3 | 1417 HAWTHORNE ROAD WILMINGTON, NC 28403 | AFLAC | $286 | — | $286 | 0.26% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER, JR. | 515 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $278 | — | $278 | 0.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 8540 COLONADE CENTER DRIVE SUITE 111 RELEIGH, NC 27615 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 10.95% |
| SHEILA B. BAXTER3 | PO BOX 642 TABOR CITY, NC 28463 | CONTINENTAL AMERICAN INSURANCE COMPANY | $983 | — | $983 | 2.93% |
| MAURICE WATSON3 Filed as: MAURICE R. WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $897 | — | $897 | 2.68% |
| MARTIN D ADAMS3 Filed as: MARTIN D. ADAMS | PO BOX 1927 CLINTON, NC 28329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $463 | — | $463 | 1.38% |
| JILL R LAMBERT3 Filed as: JILL W. DENTON | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.79% |
| LARRY A WESTON JR3 Filed as: LARRY A. WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.65% |
| JOEL S WADDELL3 Filed as: JOEL WADDELL AND OTHER AGENTS | 354 NC HIGHWAY 581 SOUTH GOLDSBORO, NC 27530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.21% |
| GORDON K VANN3 Filed as: GORDON K. VANN | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.08% |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 230 | $143K |
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,383 | $485K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,193 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 757 | $633K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 757 | $633K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 757 | $633K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 757 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.