| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 168 WINSTON SALEM, NC 27102 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 2.13% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 11.68% |
| GERALD HILL AND ASSOCIATES3 | 612 PASTEUR DR, SUITE 100 GREENSBORO, NC 27403 | AFLAC | $5K | $63 | $5K | 14.42% |
| JOHN ARIANSEN3 | PO BOX 18214 GREENSBORO, NC 27419 | AFLAC | $1K | $13 | $1K | 3.21% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER, JR | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $599 | $13 | $612 | 1.77% |
| ANGELA D REYNOLDS3 Filed as: ANGELA REYNOLDS | 507 CHESAPEAKE LANE ARCHDALE, NC 27263 | AFLAC | $401 | — | $401 | 1.16% |
| C KING3 | 931-B SOUTH MAIN ST, #206 KERNERSVILLE, NC 27284 | AFLAC | $160 | — | $160 | 0.46% |
| DUANE VESTAL3 | 5035 PROSPECT ST ARCHDALE, NC 27263 | AFLAC | $93 | — | $93 | 0.27% |
| D AND V BUTLER INC3 Filed as: J. BUTLER | 1440 OLD LENOIR RD, STE. A HICKORY, NC 28601 | AFLAC | $63 | — | $63 | 0.18% |
| JAMES R HILL JR3 Filed as: JAMES HILL, JR. | PO BOX 13272 GREENSBORO, NC 27415 | AFLAC | $34 | — | $34 | 0.10% |
| KELLY LEBSACK3 | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $33 | — | $33 | 0.10% |
| JUSTIN HOWARD3 | 3610 SPANISH PEAK DR, APT. 1C HIGH POINT, NC 27265 | AFLAC | $33 | — | $33 | 0.10% |
| MARTHA SPAGNARDI3 | 291 BENT CREEK DR LEXINGTON, NC 27295 | AFLAC | $33 | — | $33 | 0.10% |
| TUCKER HILL3 | 8806 DAPPLE GREY RD OAK RIDGE, NC 27310 | AFLAC | $33 | — | $33 | 0.10% |
| ANTHONY MOSCHETTI3 | 905 OLD WINSTON RD HIGH POINT, NC 27265 | AFLAC | $26 | — | $26 | 0.08% |
| KATHY HILL3 | 8806 DAPPLE GREY RD OAK RIDGE, NC 27310 | AFLAC | $23 | — | $23 | 0.07% |
| SUSAN MCGOWAN3 | 838 S. MAIN ST, APT. 109 MOUNT AIRY, NC 27030 | AFLAC | $20 | — | $20 | 0.06% |
| AMANDA SHUMATE3 | 3020 ROBIN HOOD DR GREENSBORO, NC 27408 | AFLAC | $18 | — | $18 | 0.05% |
| TRACI R BATTEN3 Filed as: TRACI BATTEN | 216 MAITLAND AVE MAITLAND, FL 32701 | AFLAC | $18 | — | $18 | 0.05% |
| DAVID SCHERER3 | 1028 WATER LANE JONESVILLE, NC 28642 | AFLAC | $15 | — | $15 | 0.04% |
| RUSSELL TINNEY3 | 11520 NUCKOLS RD, SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $10 | — | $10 | 0.03% |
| JOANNE SCHERER3 | 1028 WATER LANE JONESVILLE, NC 28642 | AFLAC | $7 | — | $7 | 0.02% |
| VICKIE WHITAKER3 | PO BOX 745 PLEASANT GARDEN, NC 27313 | AFLAC | $4 | — | $4 | 0.01% |
| ERIC MILLER3 | 6831 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $4 | — | $4 | 0.01% |
| KATRINA D AIKEN3 Filed as: KATRINA AIKEN | 2511 JUDTIH ST LYNCHBURG, VA 24501 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH A WITHEY3 Filed as: DEBORAH WITHEY | 2155 6TH ST NW HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.01% |
| LINDA B CAMPBELL3 Filed as: LINDA CAMPBELL | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $2 | — | $2 | 0.01% |
| RACHEL E HUSE3 Filed as: RACHEL HUSE | 3919 WATFORD WAY FAYETTEVILLE, NC 28306 | AFLAC | $2 | — | $2 | 0.01% |
| MARY MELINDA BELL3 | PO BOX 3054 TUPELO, MS 38803 | AFLAC | $1 | — | $1 | 0.00% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES, INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $1 | — | $1 | 0.00% |
| DENA JORDAN3 | 641 HIGUERA ST, STE 300 SAN LUIS OBISPO, CA 93401 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD MOSTO II3 | 204 S. 35TH ST, STE 100 COUNCIL BLUFFS, IA 51501 | AFLAC | $1 | — | $1 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 31.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 31.11% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.20% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $866 | $4K | 27.34% |
| BLAKE V WELLER3 Filed as: BLAKE V. WELLER | 3318 W. FRIENDLY AVE, STE 400 GREENSBORO, NC 27410 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $1K | — | $1K | 11.10% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 27612 | EYEMED | $103 | — | $103 | 4.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NC 276124954 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $415 | $125 | $540 | 26.05% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 25.16% |
| THE BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | — | $199 | 25.16% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 35.04% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $219 | — | $219 | 35.04% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 35.08% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 35.08% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $798K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $61K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 164 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $41K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $19K |
| Other(6 contracts, 4 carriers) | AFLAC | 131 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.