| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDRICK E. ANGLE III3 Filed as: FREDRICK ANGLE | 1620 TURNBERRY AVE SUWANEE, GA 30024 | HARTFORD LIFE AND ACCIDENT | $57K | $25K | $82K | 18.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4064 COLONY ROAD SUITE 450 CHARLOTTE, NC 28211 | COMMUNITY EYE CARE | $1K | — | $1K | 0.50% |
| REBECCA WOOD3 Filed as: REBECCA B WOOD | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $17K | $622 | $18K | 8.84% |
| CATHI TURNER3 | 2818 PROSPECT PARKWAY DURHAM, NC 27703 | AFLAC | $9K | — | $9K | 4.26% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $5K | $9 | $5K | 2.55% |
| WILLIAM L BAKER IV3 Filed as: WILLIAM BAKER IV | 2310 S MIAMI BLVD STE 239 DURHAM, NC 27703 | AFLAC | $3K | $170 | $3K | 1.69% |
| STEPHANIE L HONEYCUTT3 | 6 ROSEMEADE PLACE DURHAM, NC 27712 | AFLAC | $3K | $355 | $3K | 1.62% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $831 | — | $831 | 0.41% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WENTWORTH DRIVE DURHAM, NC 27707 | AFLAC | $795 | — | $795 | 0.39% |
| LARRY WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $595 | — | $595 | 0.30% |
| PAUL BROCK3 | 1502 OAKLAND AVE DURHAM, NC 27705 | AFLAC | $576 | — | $576 | 0.29% |
| BRIDGETT DAIL3 | 5217 STONE STATION DRIVE RALEIGH, NC 27616 | AFLAC | $345 | — | $345 | 0.17% |
| REUBEN T BARNES3 | PO BOX 718 ELM CITY, NC 27822 | AFLAC | $313 | — | $313 | 0.16% |
| JERRY OLIVER CREECH3 Filed as: JERRY CREECH | 233 MIDDLE ST STE 107A NEW BERN, NC 28560 | AFLAC | $257 | — | $257 | 0.13% |
| REBECCA MAYES3 | 5007 SOUTHPARK DR SUITE 200 G DURHAM, NC 27713 | AFLAC | $175 | — | $175 | 0.09% |
| EMILY ARMSTRONG3 | 3213 LOYAL LN RALEIGH, NC 27615 | AFLAC | $167 | — | $167 | 0.08% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $165 | — | $165 | 0.08% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $152 | — | $152 | 0.08% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $139 | — | $139 | 0.07% |
| JANINE D HUSS3 | 108 CANTINA PL SAINT JOHNS, FL 32259 | AFLAC | $133 | — | $133 | 0.07% |
| CHRISTINE R QUANTE3 | 3610 STONEBEND LOOP CARY, NC 27518 | AFLAC | $117 | — | $117 | 0.06% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $112 | — | $112 | 0.06% |
| ELIZABETH J SMITH3 | 5712 RIVERSIDE PL RICHMOND, VA 23225 | AFLAC | $112 | — | $112 | 0.06% |
| JRG ASSOCIATES LLC3 | 1011 RED HAT LN DURHAM, NC 27713 | AFLAC | $103 | — | $103 | 0.05% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $101 | — | $101 | 0.05% |
| HORTENSE HANCOCK3 | PO BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $90 | — | $90 | 0.04% |
| MARY E ESPOSITO3 Filed as: MARY ESPOSITO | PO BOX 90891 RALEIGH, NC 27675 | AFLAC | $72 | — | $72 | 0.04% |
| WILLIAM A PORTER JR3 Filed as: WILLIAM COOPER | 204 JOSEPH ST GREENVILLE, NC 27858 | AFLAC | $71 | — | $71 | 0.04% |
| ROBERT HUSTON3 | 320 STRATFORD PL MURRELLS INLET, SC 29576 | AFLAC | $68 | — | $68 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $68 | — | $68 | 0.03% |
| CECILIA D STEPHENS3 | 800 FAULKNER PL RALEIGH, NC 27609 | AFLAC | $40 | $20 | $60 | 0.03% |
| JEFFREY L GODWIN3 | 2331 CAPSTONE CT ROCKY MOUNT, NC 27804 | AFLAC | $58 | — | $58 | 0.03% |
| WILLIAM P FLEMING3 Filed as: WILLIAM FLEMING | 1511 BRENTWOOD PL MORGANTOWN, NC 28655 | AFLAC | $57 | — | $57 | 0.03% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $51 | — | $51 | 0.03% |
| MICHEAL E TOUCHON3 | 367 COLSON DR GARNER, NC 27529 | AFLAC | $43 | — | $43 | 0.02% |
| RONNIE COKER JR3 | 311 WOODSPRING LANE GREENVILLE, NC 27834 | AFLAC | $40 | — | $40 | 0.02% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 305 ROLLINGWOOD DR NEWPORT, NC 25870 | AFLAC | $39 | — | $39 | 0.02% |
| MANDY MAYES3 Filed as: MANDY L MAYES | 5611 COLLINS DRIVE DURHAM, NC 27712 | AFLAC | $38 | — | $38 | 0.02% |
| K ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $37 | — | $37 | 0.02% |
| JAMES A LAWRENCE3 | PO BOX 98777 RALEIGH, NC 27624 | AFLAC | $36 | — | $36 | 0.02% |
| LAUREN E SKINNER3 Filed as: LAUREN SKINNER | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $26 | $9 | $35 | 0.02% |
| SAMUEL JOHNSON3 | 8605 HOBHOUSE CIRCLE RALEIGH, NC 27615 | AFLAC | $34 | — | $34 | 0.02% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43S GREENVILLE, NC 27858 | AFLAC | $24 | $9 | $33 | 0.02% |
| JARED NICHOLS3 | 1917 CONIFER CIR CHARLOTTE, NC 28213 | AFLAC | $32 | — | $32 | 0.02% |
| STEPHEN SMITH3 | 6207 BIRKDALE VALLEY DR APT 427 CHARLOTTE, NC 28277 | AFLAC | $14 | $17 | $31 | 0.02% |
| DIXIE HAYMAN3 | 125 DRY CREEK CT APEX, NC 27523 | AFLAC | $24 | — | $24 | 0.01% |
| STEPHANIE J LEONARD3 | 4881 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $24 | — | $24 | 0.01% |
| ROBERT P MCFARLAND3 Filed as: ROBERT INGRAM BARNES III | 227 CHRISTENBURY LANE CLAYTON, NC 27527 | AFLAC | $24 | — | $24 | 0.01% |
| JEREMY J SABO3 | 188 CORVINA DRIVE CLAYTON, NC 27520 | AFLAC | $23 | — | $23 | 0.01% |
| LINDA M MCNAIR3 Filed as: LINDA MCNAIR | 305 JODY RD CARTHAGE, NC 28327 | AFLAC | $23 | — | $23 | 0.01% |
| ZACHARY TINKLER3 | 533 E MARTIN ST RALEIGH, NC 27601 | AFLAC | $22 | — | $22 | 0.01% |
| REGINA LEONARD3 | 4891 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% |
| MASON C LEE3 | 132 N ENGLEWOOOD DR ROCKY MOUNT, NC 27804 | 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 | $14 | — | $14 | 0.01% |
| CHERYL OLSEN3 | 7910 MORRELL LN DURHAM, NC 27713 | AFLAC | $14 | — | $14 | 0.01% |
| LAWRENCE BENEFITS INC3 | 1112 HARP ST RALEIGH, NC 27604 | AFLAC | $14 | — | $14 | 0.01% |
| GARY W GREENE3 | 1609 W ARLINTON BLVD SUITE 102 GREENVILLE, NC 27858 | AFLAC | $13 | — | $13 | 0.01% |
| PAMELA L LEONARD3 | P.O. BOX 14 LOUISBURG, NC 27549 | AFLAC | $13 | — | $13 | 0.01% |
| PHIL W HARRELL3 Filed as: PHIL HARRELL | 3257 7 LKS W WEST END, NC 27376 | AFLAC | $13 | — | $13 | 0.01% |
| FRANCES JORDAN3 | 106 AMBERWOOD LN JEFFERSON, NC 28640 | AFLAC | $13 | — | $13 | 0.01% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $10 | — | $10 | 0.00% |
| LUCY DIANE BAKER3 Filed as: LUCY BAKER | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $9 | — | $9 | 0.00% |
| JOAN ELLEN HUSTON3 Filed as: JOAN HUSTON | 1085 OLD FAIRGROUND RD WILLOW SPRING, NC 27592 | AFLAC | $9 | — | $9 | 0.00% |
| NORWOOD RANDY JONES3 Filed as: NORWOOD JONES | PO BOX 802 PRINCETON, NC 27569 | AFLAC | $9 | — | $9 | 0.00% |
| MARY S HARRIS3 | 283 LOCHRIDGE DR ROXBORO, NC 27573 | AFLAC | $9 | — | $9 | 0.00% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $8 | — | $8 | 0.00% |
| J LAWRENCE3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | AFLAC | $7 | — | $7 | 0.00% |
| ELIZABETH J BROWNING3 | 1013 OAK MEADOWS RD BIRMINGHAM, AL 35242 | AFLAC | $7 | — | $7 | 0.00% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $7 | — | $7 | 0.00% |
| DONNA STRICKLAND3 | 511 WELLINGHAM DR DURHAM, NC 27713 | AFLAC | $6 | — | $6 | 0.00% |
| LIONEL WOOD3 | 2805 CHELSEA CIRCLE DURHAM, NC 27707 | AFLAC | $4 | — | $4 | 0.00% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.00% |
| AGIS NETWORK INC3 | 2122 KRATKY RD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $36 | $7K | 10.95% |
| 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 | $7K | $16 | $7K | 10.91% |
| MCNEARY, INC.3 | P.O. BOX 220926 CHARLOTTE, NC 28222 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4064 COLONY ROAD SUITE 450 CHARLOTTE, NC 28211 | AIG BENEFIT SOLUTIONS | $2K | — | $2K | 5.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 NONE | Claims processing; Contract Administrator Service code 12 | — | $592K |
| GILSBAR,LLC EIN 72-0519951 NONE | Contract Administrator; Claims processing Service code 12 | — | $103K |
| MEDICAL EXCESS LLC EIN 46-0493280 NONE | Contract Administrator; Claims processing Service code 12 | — | $67K |
| MEDCOM EIN 72-1339762 NONE | Claims processing; Contract Administrator Service code 12 | — | $32K |
| MEDCOST EIN 56-1999192 NONE | Contract Administrator; Claims processing Service code 12 | — | $32K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Contract Administrator; Claims processing Service code 12 | — | $12K |
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 | 1,313 | 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) | 1,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY EYE CARE | 525 | $273K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,313 | $431K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,313 | $431K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,313 | $431K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,313 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,313 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.