| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $122K | $0 | $122K | 14.80% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAN, NC 27702 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $41K | $41K | 4.93% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $40K | $40K | 4.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF NORTH CAROLINA | $63K | $0 | $63K | 11.98% |
| MARTIN D ADAMS3 Filed as: MARTIN D. ADAMS | PO BOX 1927 CLINTON, NC 28329 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 6.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 5.64% |
| MAURICE WATSON3 Filed as: MAURICE R. WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 3.71% |
| SANDRA ADAMS3 | 335 SPRUNT DRIVE CLINTON, NC 28228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.90% |
| THE DIMOND AGENCY3 | 1017 ASHES DRIVE, SUITE 106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.61% |
| PAULETTE WATSON3 Filed as: PAULETTE G. WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.56% |
| SHEILA B. BAXTER3 Filed as: SHEILA B. BAXTER AND OTHER AGENTS | PO BOX 642 TABOR CITY, NC 28463 | CONTINENTAL AMERICAN INSURANCE COMPANY | $407 | $0 | $407 | 0.17% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET, SUITE 1510 WINSTON-SALEM, NC 27101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| SHEILA B. BAXTER3 | PO BOX 642 TABOR CITY, NC 28463 | AFLAC | $3K | $0 | $3K | 8.28% |
| MARTIN D ADAMS3 Filed as: MARTIN D. ADAMS | PO BOX 1927 CLINTON, NC 28329 | AFLAC | $720 | $0 | $720 | 2.25% |
| J MICHAEL BUTLER3 Filed as: J. MICHAEL BUTLER AND OTHER AGENTS | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $531 | $0 | $531 | 1.66% |
| MAURICE WATSON3 Filed as: MAURICE R. WATSON | 408 WALKING STICK TRAIL CLINTON, NC 28328 | AFLAC | $394 | $0 | $394 | 1.23% |
| RODERICK WHITFORD3 | 1417 HAWTHORNE ROAD WILMINGTON, NC 28403 | AFLAC | $176 | $0 | $176 | 0.55% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER, JR. | 1588 BAY TREE DRIVE HARRELLS, NC 28444 | AFLAC | $165 | $0 | $165 | 0.52% |
| JOEL S WADDELL3 Filed as: JOEL S. WADDELL | 354 NC 581 HIGHWAY SOUTH GOLDSBORO, NC 27530 | AFLAC | $92 | $0 | $92 | 0.29% |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,467 | $523K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,276 | $93K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,890 | $822K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,890 | $822K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,890 | $822K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,890 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,890 | — |
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.