| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $8K | $20K | 10.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $8K | $20K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $12K | 10.22% |
| STYRON & STYRON INSURANCE3 | 1207 B ARENDELL STREET MOREHEAD CITY, NC 28557 | COMMUNITY EYE CARE | $11K | — | $11K | 10.00% |
| GINA BOGUE WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $7K | $233 | $7K | 7.56% |
| LISA BOURBEAU3 | PO BOX 1155 MOREHEAD CITY, NC 28557 | AFLAC | $2K | — | $2K | 1.69% |
| JERRY OLIVER CREECH3 | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $1K | $45 | $1K | 1.28% |
| LISA M MUSTO3 | 3707 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $832 | $47 | $879 | 0.98% |
| DUANE L WELLS3 | PO BOX 371 ATLANTIC BEACH, NC 28512 | AFLAC | $538 | — | $538 | 0.60% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $478 | — | $478 | 0.53% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $267 | $2 | $269 | 0.30% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $256 | — | $256 | 0.29% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $242 | — | $242 | 0.27% |
| KENNETH R WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $239 | — | $239 | 0.27% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $203 | — | $203 | 0.23% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $199 | — | $199 | 0.22% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $192 | — | $192 | 0.21% |
| GARY W GREENE3 | 204 E ARLINGTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $79 | $44 | $123 | 0.14% |
| LUCY DIANE BAKER3 Filed as: LUCY D BAKER | 10402 QUIET BAY CT CHARLOTTE, NC 28278 | AFLAC | $113 | — | $113 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $73 | — | $73 | 0.08% |
| KARLA GROGAN INSURANCE SERVICES INC3 | PO BOX 3743 NEW BERN, NC 28664 | AFLAC | $63 | — | $63 | 0.07% |
| RODNEY A GARNAS3 | 330 HILLSBOROUGH ST RALEIGH, NC 27603 | AFLAC | $61 | — | $61 | 0.07% |
| LLAAKYITEDID BARNES3 | 216 STONEY DRIVE DURHAM, NY 27703 | AFLAC | $43 | — | $43 | 0.05% |
| DEBORAH H HALL3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $42 | — | $42 | 0.05% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $40 | — | $40 | 0.04% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $36 | — | $36 | 0.04% |
| KENNAN W DOZIER3 | 3143 WINBERRY DR FRANKLIN, TN 37064 | AFLAC | $34 | — | $34 | 0.04% |
| REBECCA D WHITLEY3 | 600 MILLBROOK DR APT 201 PITTSBORO, NC 27312 | AFLAC | $33 | — | $33 | 0.04% |
| LINDA L HUFFMAN3 | 1507 WHITE OAK RIVER RD MAYSVILLE, NC 28555 | AFLAC | $33 | — | $33 | 0.04% |
| TROY WEAVER3 | 213 FOREST HILLS DR WILMINGTON, NC 28403 | AFLAC | $32 | — | $32 | 0.04% |
| DONNA WAGES3 | 740 SMALLWOOD DR APT 53 RALEIGH, NC 27605 | AFLAC | $31 | — | $31 | 0.03% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $27 | — | $27 | 0.03% |
| PATRICK M NELSON3 | PO BOX 7005 GREENVILLE, NC 27835 | AFLAC | $26 | — | $26 | 0.03% |
| NICOLE R HUFFMAN3 | 445 WESTERN BLVD STE C JACKSONVILLE, NC 28546 | AFLAC | $23 | — | $23 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $21 | — | $21 | 0.02% |
| CORRIE D GILLIKIN3 | 1454 ISLAND RD HARKERS ISLAND, NC 28531 | AFLAC | $18 | — | $18 | 0.02% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $17 | — | $17 | 0.02% |
| BRYAN BENNETT3 | 7654 STATE 6 NE REMER, MN 56672 | AFLAC | $17 | — | $17 | 0.02% |
| PATRICIA J MOORE3 | 333 BINKLEY DR NASHVILLE, TN 37211 | AFLAC | $14 | — | $14 | 0.02% |
| CHARLES T WALL3 | PO BOX 987 BETHEL, NC 27812 | AFLAC | $14 | — | $14 | 0.02% |
| SANDRA LEE DAVIS3 | 310 5 MILE RD RICHLANDS, NC 28574 | AFLAC | $11 | — | $11 | 0.01% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $10 | — | $10 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.00% |
| LINDA L HUFFMAN3 | 1507 WHITE OAK RIVER RD MAYSVILLE, NC 28555 | AFLAC | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 6.80% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B WAINWRIGHT | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.69% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 0.59% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 0.42% |
| LISA M MUSTO3 | 101 VIEW ROAD STE 2E CEDAR POINT, NC 28584 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 0.28% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NY 28506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.13% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NH 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.11% |
| JEFFREY D HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.10% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.09% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VT 24028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.06% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 703 TIMBER LN WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| JERRY O CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 29560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $857 | $661 | $2K | 10.63% |
| JOHN MCDONNELL3 | 2301 SUGAR BRUSH ROAD SUITE 22 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $65K |
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 NONE | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $51K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Consulting (general) Service code 16 | — | $15K |
| STANLEY BENEFITS EIN 20-4006400 NONE | Contract Administrator; Direct payment from the plan; Claims processing; Recordkeeping fees; Other services; Participant communication Service code 12 | — | $10K |
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 | 809 | 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) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 0 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 0 | $0 |
| Vision | COMMUNITY EYE CARE | 937 | $112K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 808 | $121K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 0 | $0 |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 809 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.