| 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 | $14K | $11K | $25K | 10.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $11K | $24K | 10.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $8K | $20K | 10.30% |
| STYRON & STYRON INSURANCE3 | 1207 B ARENDELL STREET MOREHEAD CITY, NC 28557 | COMMUNITY EYE CARE | $9K | — | $9K | 10.00% |
| GINA BOGUE WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $6K | $218 | $6K | 7.77% |
| LISA BOURBEAU3 | 2106 E FORT MACON RD UNIT 305 ATLANTIC BEACH, NC 28512 | AFLAC | $1K | — | $1K | 1.48% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $463 | — | $463 | 0.59% |
| LISA M MUSTO3 | 316 CHURCH ST WILMINGTON, NC 28401 | AFLAC | $363 | $39 | $402 | 0.52% |
| DUANE L WELLS3 | PO BOX 371 ATLANTIC BEACH, NC 28512 | AFLAC | $373 | — | $373 | 0.48% |
| JENNY J VOYSEY3 | 6120 CARDINAL DR NEW BERN, NC 28560 | AFLAC | $324 | $4 | $328 | 0.42% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $312 | — | $312 | 0.40% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 2685 S RAINBOW BLVD STE 200 LAS VEGAS, NV 89146 | AFLAC | $287 | $5 | $292 | 0.38% |
| JERRY OLIVER CREECH3 | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $285 | — | $285 | 0.37% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $188 | $39 | $227 | 0.29% |
| KENNETH R WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $201 | — | $201 | 0.26% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $190 | — | $190 | 0.24% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $188 | — | $188 | 0.24% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $168 | — | $168 | 0.22% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $158 | — | $158 | 0.20% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD RD KNIGHTDALE, NC 27545 | AFLAC | $131 | — | $131 | 0.17% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $128 | — | $128 | 0.16% |
| LUCY DIANE BAKER3 | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $90 | — | $90 | 0.12% |
| LISA M MUSTO3 | 3500 MASSEE LANE COLUMBUS, GA 31909 | AFLAC | $80 | — | $80 | 0.10% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $64 | — | $64 | 0.08% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $59 | — | $59 | 0.08% |
| KARLA GROGAN INSURANCE SERVICES INC3 | PO BOX 3743 NEW BERN, NC 28664 | AFLAC | $58 | — | $58 | 0.07% |
| RODNEY A GARNAS3 | 330 HILLSBOROUGH ST RALEIGH, NC 27603 | AFLAC | $52 | — | $52 | 0.07% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $43 | — | $43 | 0.06% |
| LISA M MUSTO3 | 3500 MASSEE LANE COLUMBUS, GA 31909 | AFLAC | $36 | — | $36 | 0.05% |
| DEBORAH H HALL3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $36 | — | $36 | 0.05% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $34 | — | $34 | 0.04% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $33 | — | $33 | 0.04% |
| CHERI W SCOTT3 | 190 WILKINS ONEAL RD FOUR OAKS, NC 27524 | AFLAC | $31 | — | $31 | 0.04% |
| THOMAS R BADGETT3 | 73 PICKETT WAY SWANSBORO, NC 28584 | AFLAC | $30 | — | $30 | 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% |
| KIM J WILLIAMS3 | 1276 SEA GATE DR NEWPORT, NC 28570 | AFLAC | $29 | — | $29 | 0.04% |
| REBECCA D WHITLEY3 | 600 MILLBROOK DR APT 201 PITTSBORO, NC 27312 | AFLAC | $28 | — | $28 | 0.04% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $25 | — | $25 | 0.03% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD STE 102 GREENVILLE, UT 27858 | AFLAC | $23 | — | $23 | 0.03% |
| LINDA L HUFFMAN3 | 1621 RUTHERFORD CV NESBIT, MS 38651 | AFLAC | $22 | — | $22 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $22 | — | $22 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $20 | — | $20 | 0.03% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $19 | — | $19 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DR NEWPORT, NC 28570 | AFLAC | $18 | — | $18 | 0.02% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $16 | — | $16 | 0.02% |
| PATRICK M NELSON3 | PO BOX 7005 GREENVILLE, NC 27835 | AFLAC | $16 | — | $16 | 0.02% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $15 | — | $15 | 0.02% |
| DONNA WAGES3 | 740 SMALLWOOD DR APT 53 RALEIGH, NC 27605 | AFLAC | $14 | — | $14 | 0.02% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $14 | — | $14 | 0.02% |
| LINDA L HUFFMAN3 | 1507 WHITE OAK RIVER RD STE 305 MAYSVILLE, NC 28555 | 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% |
| NICOLE R HUFFMAN3 | 5740 GETWELL RD BLDGING 9 STE C SOUTHHAVEN, MS 38672 | AFLAC | $11 | — | $11 | 0.01% |
| BRYAN BENNETT3 | 7654 STATE 6 NE REMER, MN 56672 | AFLAC | $9 | — | $9 | 0.01% |
| SANDRA LEE DAVIS3 | 310 5 MILE RD RICHLANDS, NC 28574 | AFLAC | $9 | — | $9 | 0.01% |
| NICOLE R HUFFMAN3 | 232 GOODMAN RD W STE 305 SOUTHHAVEN, MS 38671 | AFLAC | $9 | — | $9 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD LONDON, KY 40741 | AFLAC | $9 | — | $9 | 0.01% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $8 | — | $8 | 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% |
| PATRICK M NELSON3 | PO BOX 3062 GREENVILLE, NC 27836 | AFLAC | $6 | — | $6 | 0.01% |
| PAMELA ROWSEY LARSON3 | 4101 TATES CREEK CENTRE DRIVE STE 150 LEXINGTON, KY 40517 | AFLAC | $6 | — | $6 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DR NEW BERN, NC 28562 | AFLAC | $4 | — | $4 | 0.01% |
| LLAAKYITEDID BARNES3 | 216 STONEY DRIVE DURHAM, NC 27703 | AFLAC | $3 | — | $3 | 0.00% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43S GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN S MARTIN3 | 3280 BLAZER PARKWAY STE 201 LEXINGTON, KY 40509 | AFLAC | $3 | — | $3 | 0.00% |
| JONATHAN ANDREW FERGUSON3 | 959 HERRONS FERRY RD ROCK HILL, SC 29730 | AFLAC | $3 | — | $3 | 0.00% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | 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% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DR FLORENCE, KY 41042 | AFLAC | $2 | — | $2 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.00% |
| GORDAN K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.23% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B WAINWRIGHT | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.94% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR #602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $393 | — | $393 | 0.56% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.40% |
| JENNY J VOYSEY3 | 1315 GLENBUR NIE RD ST 17-D NEW BERN, NC 28562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.25% |
| LISA M MUSTO3 | 3500 MASSEE LANE UNIT 13 COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.14% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 725 COPPERLINE DRIVE GARDNER, NC 27529 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.14% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.10% |
| JEFFREY D HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | — | $65 | 0.09% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD SUITE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.08% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.08% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| THOMAS BADGETT3 | 3078 JOY CIRCLE DANVILLE, VA 24541 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| JANE W BARNHILL3 | 3721 HUDSON ROAD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 703 TIMBER LN WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JERRY O CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 29560 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 10.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $855 | $703 | $2K | 10.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $317K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $33K |
| OPTUMHEALTH FINANCIAL SERVICES EIN 47-0858530 NONE | Participant communication; Recordkeeping fees; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $17K |
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 | 846 | 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) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 1,008 | $89K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 846 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 847 | $191K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 846 | $657K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,008 | — |
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.