| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $34K | $34K | 5.00% |
| TRIANGLE INSURANCE & ASSOCIATES LLC3 Filed as: TRIANGLE INSURANCE & ASSOCIATES | 222 NORTH BICKETT BOULEVARD LOUISBURG, NC 27549 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126K | — | $126K | 39.11% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE GROUP, INC | 6297 N.C. 561 HIGHWAY LOUISBURG, NC 27549 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54K | — | $54K | 16.77% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.63% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.75% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $908 | $908 | 1.59% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $863 | $863 | 1.85% |
| KAREN B MATHIS3 Filed as: KAREN MATHIS | 3730 BURLINGTON ROAD ROXBORO, NC 27574 | AFLAC | $4K | $120 | $4K | 11.96% |
| MICHAEL L COUSINS3 Filed as: MICHAEL TOUCHON | 367 COLSON DRIVE GARNER, NC 27529 | AFLAC | $442 | $24 | $466 | 1.43% |
| T P SYKES LLC3 Filed as: TP SYKES LLC | 1274 SILKY WILLOW DRIVE WAKE FOREST, NC 27587 | AFLAC | $247 | — | $247 | 0.76% |
| JENNIFER VANROEKEL3 | 212 LEE TRACE DRIVE SMITHFIELD, NC 27577 | AFLAC | $204 | — | $204 | 0.63% |
| ELIZABETH MANGUM3 | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $133 | — | $133 | 0.41% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 1121 WEDGELAND DRIVE RALEIGH, NC 27615 | AFLAC | $125 | $3 | $128 | 0.39% |
| BRENDA LYNN GARRETT3 | 5400 GLENWOOD AVENUE, SUITE G03 RALEIGH, NC 27612 | AFLAC | $99 | — | $99 | 0.30% |
| GREGORY TEATOR3 | 524 TROUTWOOD PLACE FUQUAY VARINA, NC 27526 | AFLAC | $90 | — | $90 | 0.28% |
| LARRY WESTON JR3 Filed as: LARRY WESTON JR. | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $88 | — | $88 | 0.27% |
| JILL DENTON3 | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | AFLAC | $79 | — | $79 | 0.24% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PLACE FUQUAY VARINA, NC 27526 | AFLAC | $61 | — | $61 | 0.19% |
| STANLEY FLOYD3 | 550 TERRELL LANE LOISBURG, NC 27549 | AFLAC | $49 | — | $49 | 0.15% |
| DAVID BAKER3 | 1531 SUNFLOWER FIELD PLACE MATTHEWS, NC 28104 | AFLAC | $38 | — | $38 | 0.12% |
| NATHANIEL REWEY3 | 186 WAVERLEY STREET ARLINGTON, MA 02476 | AFLAC | $36 | — | $36 | 0.11% |
| GARY TURNER3 | 1 EAGLE DRIVE DURHAM, NC 27712 | AFLAC | $35 | — | $35 | 0.11% |
| THOMAS PEARSON3 | 708 VILLAWOOD COURT RALEIGH, NC 27615 | AFLAC | $32 | — | $32 | 0.10% |
| JERRY OLIVER CREECH3 Filed as: JERRY CREECH | 5915 SANTO DOMINGO COURT NEW BERN, NC 28560 | AFLAC | $32 | — | $32 | 0.10% |
| BRIDGETT DAIL3 | 8224 YAXLEY HALL DRIVE RALEIGH, NC 27616 | AFLAC | $25 | — | $25 | 0.08% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 514 E 3RD STREET UNIT C SILER CITY, NC 27344 | AFLAC | $24 | — | $24 | 0.07% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $17 | — | $17 | 0.05% |
| SUSAN RUSSELL3 | 340 SOMERSET ROAD PASADENA, MD 21122 | AFLAC | $17 | — | $17 | 0.05% |
| TERRI G MOOSE3 Filed as: TERRI MOOSE | 6747 CASTLETON DRIVE CLEMMONS, NC 27012 | AFLAC | $10 | — | $10 | 0.03% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.03% |
| K ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $7 | — | $7 | 0.02% |
| THOMAS KELLY JR3 | 4001 TARKLE RIDGE DRIVE KITTY HAWK, NC 27949 | AFLAC | $6 | — | $6 | 0.02% |
| GORDON VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $5 | — | $5 | 0.02% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1225 NORRIS STREET RALEIGH, NC 27604 | AFLAC | $4 | — | $4 | 0.01% |
| KIMBERLY STATEN3 | PO BOX 8184 GRAY, TN 37615 | AFLAC | $4 | — | $4 | 0.01% |
| GERALD MEGGETT3 | 12020 SWALLOW FALLS COURT SILVER SPRING, MD 20904 | AFLAC | $3 | — | $3 | 0.01% |
| SHEM J BOSTICK3 Filed as: SHEM BOSTICK | 1620 S DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN N ADAMS3 Filed as: SUSAN ADAMS | 493 BAILEY DRIVE LOUISA, VA 23093 | AFLAC | $2 | — | $2 | 0.01% |
| PAMELA BEECH-WHALEY3 | PO BOX 250251 ATLANTA, GA 30325 | AFLAC | $2 | — | $2 | 0.01% |
| STEVEN KAISER3 | 6447 IVY SPRINGS DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $2 | — | $2 | 0.01% |
| KESIA CHANG3 | 1050 BISHOP STREET, SUITE 321 HONOLULU, HI 96813 | AFLAC | $2 | — | $2 | 0.01% |
| SEAN R HILDRETH3 Filed as: SEAN HILDRETH | 434 TUCKER ROAD GRIMESLAND, NC 27837 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| GARY GREENE3 | 1609 W ARLINTON BLVD. SUITE 102 GREENVILLE, NC 27858 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES HOUGH3 | 162 SLATE HILL ROAD TELFORD, TN 37690 | AFLAC | $1 | — | $1 | 0.00% |
| EVERETT C BENNETT3 Filed as: EVERETT BENNETT | 902 POPLAR STREET MILFORD, DE 19963 | AFLAC | $1 | — | $1 | 0.00% |
| HAMIDA M TRAINOR3 Filed as: HAMIDA TRAINOR | 2608 MEADOW ROAD WEST PALM BEACH, FL 33406 | AFLAC | $1 | — | $1 | 0.00% |
| LOIRE LUCAS3 | 2120 SW DANFORTH CIRCLE PALM CITY, FL 34990 | AFLAC | $1 | — | $1 | 0.00% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $1 | — | $1 | 0.00% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $1 | — | $1 | 0.00% |
| DEININGER BENEFITS ADVISORS INC3 Filed as: DEININGER BENEFITS ADVISORS INC. | PO BOX 372696 SATELLITE BEACH, FL 32937 | AFLAC | $1 | — | $1 | 0.00% |
| LANCE PITTMAN LLC3 | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $1 | — | $1 | 0.00% |
| JOSHUA BUZZARD3 | 7458 TRESCOTT DRIVE LAKE WORTH, FL 33467 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY GURLEY3 | PO BOX 1434 GOLDSBORO, NC 27533 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD, SUITE 214 COLUMBIA, MD 21044 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 RX BENEFIT MANAGEMENT | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $1.7M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $55K |
| DELTA DENTAL OF NORTH CAROLINA EIN 56-1018068 ADMINISTRATOR | Contract Administrator Service code 13 | — | $31K |
| UNITED OF OMAHA LIFE INSURANCE CO. EIN 47-0322111 ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
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 | 751 | 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) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 308 | $355K |
| Vision | VISION SERVICE PLAN | 718 | $81K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $257K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 407 | $209K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 393 | $331K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 751 | $674K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 990 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.