| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID R. CONNOR3 Filed as: DAVID G. HILL, JR | 4010 OLEANDER DR, SUITE 11 WILMINGTON, NC 28403 | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | $32K | — | $32K | 2.84% |
| PATRICIA G EMMART3 Filed as: PATRICIA G. EMMART | 99 AQUA VISTA DR WILMINGTON, NC 28409 | AFLAC | $1K | — | $1K | 3.52% |
| MISTY EMMART3 | 4825 CORONADO DR WILMINGTON, NC 28409 | AFLAC | $680 | — | $680 | 2.02% |
| NICHOLAS A OGDEN3 | 122 YORKSHIRE LN WILMINGTON, NC 28409 | AFLAC | $276 | — | $276 | 0.82% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $220 | — | $220 | 0.65% |
| MIGUEL A IRIZARRY3 | 6611 WINDINGWOOD LN WILMINGTON, NC 28411 | AFLAC | $210 | — | $210 | 0.62% |
| TROY WEAVER3 | 37 JENN RD BURGAW, NC 28425 | AFLAC | $191 | — | $191 | 0.57% |
| DOUGLAS A ALLEN3 | PO BOX 1750 LITTLE RIVER, SC 29566 | AFLAC | $176 | — | $176 | 0.52% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 3154 PERIMETER PKWY STE G AUGUSTA, GA 30909 | AFLAC | $166 | — | $166 | 0.49% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $155 | — | $155 | 0.46% |
| WILLIAM FRANKLIN LEE3 | 5801 SEABUOY CIR WILMINGTON, NC 28409 | AFLAC | $139 | — | $139 | 0.41% |
| MATTHEW PINER3 | 13633 WAVERTON LN HUNTERSVILLE, NC 28078 | AFLAC | $113 | — | $113 | 0.34% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $106 | — | $106 | 0.32% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $76 | — | $76 | 0.23% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $72 | — | $72 | 0.21% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $68 | — | $68 | 0.20% |
| CHERYL OLSEN3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | AFLAC | $56 | — | $56 | 0.17% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $22 | — | $22 | 0.07% |
| SUSAN WRIGHT3 Filed as: SUSAN L WRIGHT | 153 NW 1ST ST OAK ISLAND, NC 28465 | AFLAC | $17 | — | $17 | 0.05% |
| MARIE THRASHER3 | 4153 SPIREA DR APT C WILMINGTON, NC 28403 | AFLAC | $15 | — | $15 | 0.04% |
| GARY W GREENE3 | 505 GOLF VIEW DR GREENVILLE, NC 27834 | AFLAC | $10 | — | $10 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $9 | — | $9 | 0.03% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $8 | — | $8 | 0.02% |
| GLENN H CARTER3 | 7103 ORCHARD TRCE WILMINGTON, NC 28409 | AFLAC | $8 | — | $8 | 0.02% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $6 | — | $6 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $6 | — | $6 | 0.02% |
| ESTHER M BEYER3 | 109 WOODBEND CT APT H HIGH POINT, NC 27265 | AFLAC | $6 | — | $6 | 0.02% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 921 MILL STREAM CT SAVANNAH, GA 31419 | AFLAC | $5 | — | $5 | 0.01% |
| ABBOTT INS SERVICES LLC3 Filed as: ABBOTT INS SERVICES | 1306 OAKRIDGE BLVD LUMBERTON, NC 28358 | AFLAC | $3 | — | $3 | 0.01% |
| JANE W BARNHILL3 | 536 DOVEFIELD DR INDIAN TRAIL, NC 28079 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NC LLC | 4010 OLEANDER DR, SUITE 11 WILMINGTON, NC 28403 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 13.59% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | 4611 UNIVERSITY DRIVE PO BOX 2291 DURHAM, NC 27702 | HARTFORD LIFE AND ACCIDENT | -$2K | $4K | $2K | 7.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: CAROLINA LLC HILB GROUP OF NORTH CA | 4010 OLEANDER DRIVE, SUITE 11 WILMINGTON, NC 28403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 9.07% |
| KAREN L SWENSON3 Filed as: KAREN SWENSON | 310 N FRONT STREET 4-333 WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 2.51% |
| THE DIAMOND AGENCY LLC3 Filed as: THE DIAMOND AGENCY | 1017 ASHES DRIVE #106 WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 2.41% |
| MARIE THRASHER3 | 4153-C SPIREA DRIVE WILMINGTON, NC 28403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 1.66% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 225 S WATER ST SUITE I WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 1.41% |
| DAVID A EMERSON3 | 1017 ASHES DRIVE WILMINGTON, NC 28405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.90% |
| SUSAN WRIGHT3 | 467 BIG POPLAR CT LELAND, NC 28451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | — | $97 | 0.58% |
| TAMMY BRITT COOPER3 Filed as: TAMMY COOPER | 3712 A CLIFFRIDGE DR LUMBERTON, NC 28358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.51% |
| ESTHER M BEYER3 | 109 WOODBEND CT UNIT H HIGH POINT, NC 27265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.38% |
| CANDACE M HOLCOMB3 Filed as: CANDACE HOLCOMB | 238 NORTHERN BLVD WILMINGTON, NC 28401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ERIC DWIGGINS3 | 125 SHORT CUT RD CHINA GROVE, NC 28023 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
No Schedule C service providers reported on this filing.
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 | 99 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Dental | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Vision | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $31K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 36 | $17K |
| Prescription drug | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | 146 | $1.1M |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUES SHIELD OF NORTH CAROLINA | 146 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.