| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 419103 BOSTON, MA 02241 | UNIMERICA INSURANCE COMPANY | $59K | — | $59K | 8.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $23K | $39K | 14.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $19K | $32K | 14.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $19K | $31K | 14.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | COMMUNITY EYE CARE | $12K | — | $12K | 10.00% |
| GINA BOGUE WAINWRIGHT3 | 4102 COUNTRY CLUB ROAD MOREHEAD CITY, NC 28557 | AFLAC | $7K | $24 | $7K | 8.29% |
| LISA BOURBEAU3 | 2106 E FORT MACON RD UNIT 305 ATLANTIC BEACH, NC 28512 | AFLAC | $1K | — | $1K | 1.20% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $689 | — | $689 | 0.77% |
| JOEL S WADDELL3 | 354 NC 581 HWY S GOLDSBORO, NC 27530 | AFLAC | $500 | $7 | $507 | 0.57% |
| LISA M MUSTO3 | 5 RIO ROAD SAVANNAH, GA 31419 | AFLAC | $450 | — | $450 | 0.50% |
| VERONICA HEDGES3 | 3833 DUNN ROAD EASTOVER, NC 28312 | AFLAC | $355 | — | $355 | 0.40% |
| DUANE L WELLS3 | PO BOX 371 ATLANTIC BEACH, NC 28512 | AFLAC | $345 | — | $345 | 0.39% |
| KENNETH R WAINWRIGHT3 | 4102 COUNTRY CLUB RD MOREHEAD CITY, NC 28557 | AFLAC | $198 | — | $198 | 0.22% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $177 | — | $177 | 0.20% |
| JEFF HEDGES3 | 3833 DUNN ROAD EASTOVER, NC 28312 | AFLAC | $166 | — | $166 | 0.19% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $156 | — | $156 | 0.17% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | AFLAC | $136 | — | $136 | 0.15% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $135 | — | $135 | 0.15% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $123 | — | $123 | 0.14% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DRIVE NEWPORT, NC 28570 | AFLAC | $122 | — | $122 | 0.14% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $99 | — | $99 | 0.11% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $85 | — | $85 | 0.10% |
| JESSICA PASCHAL3 | 2030 HIGHWAY 24 NEWPORT, NC 28570 | AFLAC | $71 | — | $71 | 0.08% |
| KARLA GROGAN INSURANCE SERVICES INC3 | PO BOX 3473 NEW BERN, NC 28564 | AFLAC | $63 | — | $63 | 0.07% |
| JENNY J VOYSEY3 | 6120 CARDINAL DR NEW BERN, NC 28560 | AFLAC | $54 | — | $54 | 0.06% |
| ROBERT L GOBLE3 | 250 34TH AVE, NE HICKORY, NC 28601 | AFLAC | $52 | — | $52 | 0.06% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $49 | — | $49 | 0.05% |
| JOHNISE H KOONCE3 | 105 BAYSWATER CT NEW BERN, NC 28562 | AFLAC | $49 | — | $49 | 0.05% |
| DEBORAH H HALL3 | 105 DEVLIN LN MADISON, MS 39110 | AFLAC | $43 | — | $43 | 0.05% |
| KENNAN W DOZIER3 | 3143 WINBERRY DRIVE FRANKLIN, TN 37064 | AFLAC | $37 | — | $37 | 0.04% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $35 | — | $35 | 0.04% |
| RODNEY A GARNAS3 | 330 HILLSBOROUGH ST RALEIGH, NC 27603 | AFLAC | $33 | — | $33 | 0.04% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $32 | — | $32 | 0.04% |
| LINDA L HUFFMAN3 | 1507 WHITE OAK RIVER RD MAYSVILLE, NC 28555 | AFLAC | $32 | — | $32 | 0.04% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $27 | — | $27 | 0.03% |
| GERRY SHERMAN3 | 1550 EL CAMINO REAL APT 501 LADY LAKE, FL 32159 | AFLAC | $27 | — | $27 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $26 | — | $26 | 0.03% |
| PATRICK M NELSON3 | PO BOX 3062 GREENVILLE, NC 27836 | AFLAC | $26 | — | $26 | 0.03% |
| GARY W GREENE3 | 505 GOLF VIEW DR STE 102 GREENVILLE, NC 27834 | AFLAC | $25 | — | $25 | 0.03% |
| NICOLE R HUFFMAN3 | 215 PENDLETON ST STE 203 WAYCROSS, GA 31501 | AFLAC | $25 | — | $25 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $19 | — | $19 | 0.02% |
| REBECCA D WHITLEY3 | 421 CHURCHWOOD LN PITTSBORO, NC 27312 | AFLAC | $18 | — | $18 | 0.02% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $18 | — | $18 | 0.02% |
| PATRICIA J MOORE3 | 333 BINKLEY DR NASHVILLE, TN 37211 | AFLAC | $15 | — | $15 | 0.02% |
| CHARLES T WALL3 | 3760 ROBINSON ST BETHEL, NC 27812 | AFLAC | $14 | — | $14 | 0.02% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DR NEW BERN, NC 28562 | AFLAC | $12 | — | $12 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $12 | — | $12 | 0.01% |
| SANDRA LEE DAVIS3 | 310 FIVE MILE RD RICHLANDS, NC 28574 | AFLAC | $12 | — | $12 | 0.01% |
| REGINA K SANTANGELO3 Filed as: REGINA GWEN CALDWELL | 2046 SINKING CREEK RD BLDGING 9 STE C LONDON, KY 40741 | AFLAC | $11 | — | $11 | 0.01% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $11 | — | $11 | 0.01% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 1022 CLIFTWOOD DR SILER CITY, NC 27344 | AFLAC | $9 | — | $9 | 0.01% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $8 | — | $8 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $6 | — | $6 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.00% |
| JONATHAN ANDREW FERGUSON3 | 959 HERRONS FERRY ROAD ROCK HILL, SC 29730 | AFLAC | $4 | — | $4 | 0.00% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $4 | — | $4 | 0.00% |
| BRIAN S MARTIN3 | 3280 BLAZER PKWY STE 201 LEXINGTON, KY 40509 | AFLAC | $4 | — | $4 | 0.00% |
| DALE I DAVIS3 | 5892 CEDARCREEK LN LEXINGTON, KY 40515 | AFLAC | $3 | — | $3 | 0.00% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $3 | — | $3 | 0.00% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVE CHARLOTTE, NC 28277 | AFLAC | $3 | — | $3 | 0.00% |
| MARK C LAMAR3 | 1006 APPLE BLOSSOM DR FLORENCE, KY 41042 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM P FLEMING3 Filed as: WILLIAM FLEMING | 120 PEARSON DR MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $9K | 14.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, VA 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.14% |
| GINA BOGUE WAINWRIGHT3 Filed as: GINA B WAINWRIGHT | 4102 COUNTRY CLUB RD MOREHEAD CITY, NC 28557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.38% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR | 209 BRISTOL COURT GREENVILLE, NC 27834 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | — | $142 | 0.24% |
| JOEL S WADDELL3 Filed as: JOEL WADDELL | 354 NC HWY 581 S GOLDSBORO, NC 27530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.10% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.09% |
| JEFFREY D HEDGES3 | 2536 CYPRESS OAK LN GASTONIA, NC 28056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.06% |
| LAUREN E SKINNER3 | 204 E ARLINGON BLVD STE C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.05% |
| LISA M MUSTO3 | 3500 MASSEE LANE, UNIT 13 COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.05% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.04% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR | 321 WINDSOR ROAD GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| JENNY J VOYSEY3 | 1315 GLENBURNIE RD STE 17D NEW BERN, NC 28562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 13633 WAVERTON LANE HUNTERSVILLE, NC 28078 | 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% |
| CATHERINE L LEE3 | 10 NUN ST WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 | 204 E ARLINGTON BLVD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JANE W BARNHILL3 | 3721 HUDSON RD MASCOT, TN 37806 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DRIVE STE 103A NEWPORT, NC 28570 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $955 | $1K | $2K | 14.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDCOST BENEFIT SERVICES EIN 56-2056821 NONE | Contract Administrator Service code 13 | — | $310K |
| RXBENEFITS, INC. EIN 63-1157085 NONE | Claims processing Service code 12 | — | $29K |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $18K |
| OPTUMHEALTH FINANCIAL SERVICES EIN 47-0858530 NONE | Other services; Claims processing; Direct payment from the plan; Participant communication; Recordkeeping fees; Contract Administrator Service code 12 | — | $9K |
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 | 820 | 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) | 820 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 736 | $740K |
| Vision | COMMUNITY EYE CARE | 996 | $118K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 820 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 820 | $211K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 820 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.