| 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 | $13K | $9K | $21K | 9.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $8K | $21K | 10.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $5K | $14K | 9.68% |
| STYRON & STYRON INSURANCE3 | 1207 B ARENDELL STREET MOREHEAD CITY, NC 28557 | COMMUNITY EYE CARE | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 7.48% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B WAINWRIGHT | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $529 | — | $529 | 0.59% |
| LISA M MUSTO3 | 101 VIEW ROAD STE 2E CEDAR POINT, NC 28584 | CONTINENTAL AMERICAN INSURANCE COMPANY | $474 | — | $474 | 0.53% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.42% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.22% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.12% |
| JEFFREY D HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.10% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.08% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.08% |
| THOMAS BADGETT3 | 3078 JOY CIRCLE DANVILLE, VA 24541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.03% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 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% |
| GINA BOGUE WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $6K | — | $6K | 8.33% |
| LISA BOURBEAU3 | PO BOX 1155 MOREHEAD CITY, NC 28557 | AFLAC | $855 | — | $855 | 1.14% |
| JERRY OLIVER CREECH3 | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $754 | — | $754 | 1.01% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $522 | — | $522 | 0.70% |
| LISA M MUSTO3 | 316 CHURCH ST WILMINGTON, NC 28401 | AFLAC | $517 | — | $517 | 0.69% |
| LISA M MUSTO3 | 3707 COUNTRY CLUB RD MOREHEAD CITY, NC 28557 | AFLAC | $406 | — | $406 | 0.54% |
| DUANE L WELLS3 | PO BOX 371 ATLANTIC BEACH, NC 28512 | AFLAC | $396 | — | $396 | 0.53% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $368 | — | $368 | 0.49% |
| LISA BOURBEAU3 | 2106 E FORT MACON RD UNIT 305 ATLANTIC BEACH, NC 28512 | AFLAC | $304 | — | $304 | 0.41% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $195 | — | $195 | 0.26% |
| KENNETH R WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $195 | — | $195 | 0.26% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $184 | — | $184 | 0.25% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $163 | — | $163 | 0.22% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $152 | — | $152 | 0.20% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $118 | — | $118 | 0.16% |
| LUCY DIANE BAKER3 | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $73 | — | $73 | 0.10% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $71 | — | $71 | 0.09% |
| THOMAS R BADGETT3 | 73 PICKETT WAY SWANSBORO, NC 28584 | AFLAC | $69 | — | $69 | 0.09% |
| RODNEY A GARNAS3 | 330 HILLSBOROUGH ST RALEIGH, NC 27603 | AFLAC | $52 | — | $52 | 0.07% |
| KARLA GROGAN INSURANCE SERVICES INC3 | PO BOX 3743 NEW BERN, NC 28664 | AFLAC | $48 | — | $48 | 0.06% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $46 | — | $46 | 0.06% |
| LLAAKYITEDID BARNES3 | 216 STONEY DRIVE DURHAM, NC 27703 | AFLAC | $37 | — | $37 | 0.05% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $35 | — | $35 | 0.05% |
| LINDA L HUFFMAN3 | 1507 WHITE OAK RIVER RD MAYSVILLE, NC 28555 | AFLAC | $35 | — | $35 | 0.05% |
| DEBORAH H HALL3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $33 | — | $33 | 0.04% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $30 | — | $30 | 0.04% |
| KENNAN W DOZIER3 | 3143 WINBERRY DR FRANKLIN, TN 37064 | AFLAC | $29 | — | $29 | 0.04% |
| TROY WEAVER3 | 102 RIDGE RD HAMPSTEAD, NC 28443 | AFLAC | $28 | — | $28 | 0.04% |
| REBECCA D WHITLEY3 | 600 MILLBROOK DR APT 201 PITTSBORO, NC 27312 | AFLAC | $28 | — | $28 | 0.04% |
| DONNA WAGES3 | 740 SMALLWOOD DR APT 53 RALEIGH, NC 27605 | AFLAC | $26 | — | $26 | 0.03% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $25 | — | $25 | 0.03% |
| GARY W GREENE3 | 204 E ARLINGTON BLVD STE 102 GREENVILLE, NC 27858 | AFLAC | $23 | — | $23 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $23 | — | $23 | 0.03% |
| PATRICK M NELSON3 | PO BOX 7005 GREENVILLE, NC 27835 | AFLAC | $22 | — | $22 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $20 | — | $20 | 0.03% |
| LAUREN E SKINNER3 | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $19 | — | $19 | 0.03% |
| NICOLE R HUFFMAN3 | 232 GOODMAN RD W STE 305 SOUTHAVEN, MS 38671 | AFLAC | $18 | — | $18 | 0.02% |
| BRYAN BENNETT3 | 7654 STATE 6 NE REMER, MN 56672 | AFLAC | $17 | — | $17 | 0.02% |
| THOMAS R BADGETT3 | 287 CEDARWOOD DR SWANSBORO, NC 28584 | AFLAC | $17 | — | $17 | 0.02% |
| LUCY DIANE BAKER3 | 10402 QUIET BAY CT CHARLOTTE, NC 28278 | AFLAC | $16 | — | $16 | 0.02% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $15 | — | $15 | 0.02% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $14 | — | $14 | 0.02% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $13 | — | $13 | 0.02% |
| PATRICIA J MOORE3 | 333 BINKLEY DR NASHVILLE, TN 37211 | AFLAC | $12 | — | $12 | 0.02% |
| CHARLES T WALL3 | PO BOX 987 BETHEL, NC 27812 | AFLAC | $12 | — | $12 | 0.02% |
| SANDRA LEE DAVIS3 | 310 5 MILE RD RICHLANDS, NC 28574 | AFLAC | $9 | — | $9 | 0.01% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $8 | — | $8 | 0.01% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.01% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43S GREENVILLE, NC 27858 | AFLAC | $4 | — | $4 | 0.01% |
| TROY WEAVER3 | 213 FOREST HILLS DR WILMINGTON, NC 28403 | AFLAC | $3 | — | $3 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.00% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28277 | AFLAC | $2 | — | $2 | 0.00% |
| NICOLE R HUFFMAN3 | 445 WESTERN BLVD STE C JACKSONVILLE, NC 28546 | AFLAC | $2 | — | $2 | 0.00% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $2 | — | $2 | 0.00% |
| PAMELA ROWSEY LARSON3 | 4101 TATES CREEK CENTRE DRIVE STE 150 LEXINGTON, KY 40517 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| JONATHAN ANDREW FERGUSON3 | 959 HERRONS FERRY RD ROCK HILL, SC 29730 | AFLAC | $1 | — | $1 | 0.00% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 10.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $838 | $602 | $1K | 10.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $307K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $32K |
| STANLEY BENEFITS EIN 20-4006400 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Other services; Recordkeeping fees 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 | 828 | 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) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 967 | $107K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $45K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 831 | $144K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 828 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.