| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNEARY, INC.3 | P.O. BOX 220926 CHARLOTTE, NC 28222 | MUNICH REINSURANCE AMERICA INC. | $64K | — | $64K | 10.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT SERVICES, INC. | P.O. BOX 1929 FORT MILL, SC 29716 | MUNICH REINSURANCE AMERICA INC. | $32K | — | $32K | 5.00% |
| FREDRICK E. ANGLE III3 Filed as: FREDRICK ANGLE | 1015 LONGPOINTE PASS ALPHARETTA, GA 30005 | HARTFORD LIFE AND ACCIDENT | $53K | — | $53K | 15.00% |
| REBECCA WOOD3 Filed as: REBECCA B WOOD | 2805 CHELSEA CIRCLE DURHAM, NY 27707 | AFLAC | $14K | $1K | $15K | 9.18% |
| STEPHANIE L HONEYCUTT3 | 6 ROSEMEADE PLACE DURHAM, NC 27712 | AFLAC | $6K | $212 | $6K | 3.91% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $1K | $233 | $2K | 0.96% |
| WILLIAM L BAKER IV3 | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $1K | — | $1K | 0.81% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $829 | $215 | $1K | 0.65% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $857 | — | $857 | 0.53% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $832 | — | $832 | 0.52% |
| KAREN BROCK3 | 71 KIMBERLY DR DURHAM, NC 27707 | AFLAC | $599 | — | $599 | 0.37% |
| CECILIA D STEPHENS3 | 800 FAULKNER PL RALEIGH, NC 27609 | AFLAC | $439 | — | $439 | 0.27% |
| JAYME L KENNEDY3 | 604 BELLEFONT CT KNIGHTDALE, NC 27545 | AFLAC | $360 | $41 | $401 | 0.25% |
| EMILY ARMSTRONG3 | 3213 LOYAL LN RALEIGH, NC 27615 | AFLAC | $331 | $58 | $389 | 0.24% |
| BRIDGETT DAIL3 | 5217 STONE STATION DRIVE RALEIGH, NC 27616 | AFLAC | $369 | — | $369 | 0.23% |
| REUBEN T BARNES3 | PO BOX 718 ELM CITY, NC 27822 | AFLAC | $356 | — | $356 | 0.22% |
| JERRY OLIVER CREECH3 | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $268 | — | $268 | 0.17% |
| REBECCA MAYES3 | 5007 SOUTHPARK DR SUITE 200 G DURHAM, NC 27713 | AFLAC | $201 | — | $201 | 0.13% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $178 | — | $178 | 0.11% |
| CHRISTINE R QUANTE3 | 3610 STONEBEND LOOP CARY, NC 27518 | AFLAC | $165 | — | $165 | 0.10% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $152 | — | $152 | 0.09% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $146 | — | $146 | 0.09% |
| JANINE D HUSS3 | 108 CANTINA PL SAINT JOHNS, FL 32259 | AFLAC | $137 | — | $137 | 0.09% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $112 | — | $112 | 0.07% |
| GARY W GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $94 | $18 | $112 | 0.07% |
| ELIZABETH J SMITH3 | 6311 WALNUT BEND DR MIDLOTHIAN, VA 23112 | AFLAC | $110 | — | $110 | 0.07% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $107 | — | $107 | 0.07% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LN DURHAM, NC 27713 | AFLAC | $103 | — | $103 | 0.06% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $77 | — | $77 | 0.05% |
| MARY ELLEN ESPOSITO3 | PO BOX 90891 RALEIGH, NC 27675 | AFLAC | $75 | — | $75 | 0.05% |
| WILLIAM S COOPER3 | 204 JOSEPH ST GREENVILLE, NC 27858 | AFLAC | $71 | — | $71 | 0.04% |
| ROBERT HUSTON3 | 1085 OLD FAIRGROUND RD WILLOW SPRINGS, NC 27592 | AFLAC | $71 | — | $71 | 0.04% |
| JEFFREY L GODWIN3 | 2331 CAPSTONE CT ROCKY MOUNT, NC 27804 | AFLAC | $66 | — | $66 | 0.04% |
| MICHEAL E TOUCHON3 | 367 COLSON DR GARNER, NC 27529 | AFLAC | $58 | — | $58 | 0.04% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $55 | — | $55 | 0.03% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $51 | — | $51 | 0.03% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PL MORGANTOWN, NC 28655 | AFLAC | $51 | — | $51 | 0.03% |
| RONNIE COKER JR3 | 311 WOODSPRING LANE GREENVILLE, NC 27834 | AFLAC | $41 | — | $41 | 0.03% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 1315 S GLENBURNIE RD STE D17 NEW BERN, NC 28562 | AFLAC | $39 | — | $39 | 0.02% |
| MANDY MAYES3 Filed as: MANDY L MAYES | 5611 COLLINS DRIVE DURHAM, NC 27712 | AFLAC | $38 | — | $38 | 0.02% |
| SAMUEL JOHNSON3 | 8605 HOBHOUSE CIRCLE RALEIGH, NC 27615 | AFLAC | $36 | — | $36 | 0.02% |
| CATHI TURNER3 | 2818 PROSPECT PARKWAY DURHAM, NC 27703 | AFLAC | $36 | — | $36 | 0.02% |
| JAMES A LAWRENCE3 | PO BOX 98777 RALEIGH, NC 27624 | AFLAC | $36 | — | $36 | 0.02% |
| JARED NICHOLS3 | 1917 CONIFER CIR CHARLOTTE, NC 28213 | AFLAC | $32 | — | $32 | 0.02% |
| DIXIE HAYMAN3 | 125 DRY CREEK CT APEX, NC 27523 | AFLAC | $25 | — | $25 | 0.02% |
| STEPHANIE J LEONARD3 | 4881 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $24 | — | $24 | 0.01% |
| JEREMY J SABO3 | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $23 | — | $23 | 0.01% |
| ZACHARY TINKLER3 | 533 E MARTIN ST RALEIGH, NC 27601 | AFLAC | $22 | — | $22 | 0.01% |
| ROBERT I BARNES3 | 1424 SCALES ST APT A RALEIGH, NC 27608 | AFLAC | $21 | — | $21 | 0.01% |
| MASON C LEE3 | 132 N ENGLEWOOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $20 | — | $20 | 0.01% |
| REGINA LEONARD3 | 4927 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $20 | — | $20 | 0.01% |
| CATHERINE L LEE3 | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $20 | — | $20 | 0.01% |
| JEFFREY J HARRIS3 | 7612 PERCY COURT RALEIGH, NC 27613 | AFLAC | $19 | — | $19 | 0.01% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43S GREENVILLE, NC 27858 | AFLAC | $18 | — | $18 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 1119 2ND ST NE HICKORY, NC 28601 | AFLAC | $17 | — | $17 | 0.01% |
| ALLISON R DEMPSEY3 | 3004 MUSTANG COVE ALEXANDER, AR 72002 | AFLAC | $16 | — | $16 | 0.01% |
| KAREN L SWENSON3 Filed as: KAREN ANN CROOKS | 1520 DOCK ST WILMINGTON, NC 28401 | AFLAC | $16 | — | $16 | 0.01% |
| JOANNA MURPHREY3 | 6345 US HIGHWAY 258 N FARMVILLE, NC 27828 | AFLAC | $15 | — | $15 | 0.01% |
| DONNA WAGES3 | 740 SMALLWOOD DR APT 53 RALEIGH, NC 27605 | AFLAC | $15 | — | $15 | 0.01% |
| CHERYL OLSEN3 | 7910 MORRELL LN DURHAM, NC 27713 | AFLAC | $14 | — | $14 | 0.01% |
| DURWARD W HANCOCK JR3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $14 | — | $14 | 0.01% |
| LAWRENCE BENEFITS INC3 | 1112 HARP ST RALEIGH, NC 27604 | AFLAC | $14 | — | $14 | 0.01% |
| JENE DEWEY JORDAN3 | 139 WINTERGREEN RD WILMINGTON, NC 28409 | AFLAC | $13 | — | $13 | 0.01% |
| PAMELA L LEONARD3 | P.O. BOX 14 LOUISBURG, NC 27549 | AFLAC | $13 | — | $13 | 0.01% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $10 | — | $10 | 0.01% |
| LUCY DIANE BAKER3 | 10402 QUIET BAY CT CHARLOTTE, NC 28278 | AFLAC | $9 | — | $9 | 0.01% |
| JOANE ELLEN HUSTON3 | 1085 OLD FAIRGROUND RD WILLOW SPRING, NC 27592 | AFLAC | $9 | — | $9 | 0.01% |
| NORWOOD RANDY JONES3 | PO BOX 802 PRINCETON, NC 27569 | AFLAC | $9 | — | $9 | 0.01% |
| MARY S HARRIS3 | 283 LOCHRIDGE DR ROXBORO, NC 27573 | AFLAC | $8 | — | $8 | 0.00% |
| LIONEL WOOD3 | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $7 | $1 | $8 | 0.00% |
| J KYLE LAWRENCE3 | 1112 HARP ST RALEIGH, NC 27604 | AFLAC | $7 | — | $7 | 0.00% |
| ELIZABETH J BROWNING3 | 1013 OAK MEADOWS RD BIRMINGHAM, AL 35242 | AFLAC | $7 | — | $7 | 0.00% |
| FREDRICK E. ANGLE III3 Filed as: FREDRICK E ANGLE III | 1620 TURNBERRY AVE, STE 101 SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 15.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: EMPLOYEE BENEFIT SERVICES, INC. | P.O. BOX 1929 FORT MILL, SC 29716 | MEDICAL EXCESS REINSURANCE UNDERWRITERS | $4K | — | $4K | 6.00% |
| MCNEARY, INC.3 | P.O. BOX 220926 CHARLOTTE, NC 28222 | MEDICAL EXCESS REINSURANCE UNDERWRITERS | $3K | — | $3K | 4.00% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $442 | $5K | 10.22% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP INC | 3400 CROASDAILE DR, STE 206 DURHAM, NC 27705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $190 | $5K | 9.75% |
| FREDRICK E. ANGLE III3 Filed as: FREDRICK E ANGLE III | 1620 TURNBERRY AVE, STE 101 SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| FREDRICK E. ANGLE III3 Filed as: FREDRICK E ANGLE III | 1620 TURNBERRY AVE, STE 101 SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| FREDRICK E. ANGLE III3 Filed as: FREDRICK E ANGLE III | 1620 TURNBERRY AVE, STE 101 SUWANEE, GA 30024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $282 | — | $282 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT SERVICES, INC. EIN 56-1939146 NONE | Contract Administrator; Claims processing Service code 12 | — | $97K |
| MEDCOST EIN 56-1999192 NONE | Claims processing; Contract Administrator Service code 12 | — | $28K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator; Claims processing Service code 12 | — | $26K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing Service code 12 | — | $17K |
| MCNEARY, INC. EIN 56-0932184 NONE | Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 559 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MUNICH REINSURANCE AMERICA INC. | 487 | $639K |
| Vision | COMMUNITY EYE CARE | 497 | $46K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $367K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $466K |
| Stop-loss / reinsurancereinsurance | MUNICH REINSURANCE AMERICA INC. | 487 | $639K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.