| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $53K | $63K | 4.62% |
| THOMAS L LUEBCHOW3 | 390 PILOT RIDGE DRIVE LEWISVILLE, NC 27023 | AFLAC | $8K | $659 | $9K | 11.56% |
| SHELLY DENISE CAIRES3 | 220 CASCADE DRIVE HIGH POINT, NC 27265 | AFLAC | $849 | $144 | $993 | 1.35% |
| KIM J WILLIAMS3 | 2685 WILLIAMS ROAD LEWISVILLE, NC 27023 | AFLAC | $879 | — | $879 | 1.20% |
| JEREMY M HASKELL3 | 430 RYDER CUP LANE CLEMMONS, NC 27012 | AFLAC | $602 | $132 | $734 | 1.00% |
| KATHERINE L SIMOS3 | 1605 CONRAD ROAD LEWISVILLE, NC 27023 | AFLAC | $712 | — | $712 | 0.97% |
| C HARVEY KING3 | 931 S MAIN STREET SUITE B, #206 KERNERSVILLE, NC 27284 | AFLAC | $498 | — | $498 | 0.68% |
| REGINA G MARTIN3 | 1032 OCEAN BOULEVARD W SUPPLY, NC 28462 | AFLAC | $405 | — | $405 | 0.55% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | P.O. BOX 25172 WINSTON SALEM, NC 27114 | AFLAC | $326 | — | $326 | 0.44% |
| LEIGHANNE A MABE3 | 3010 WILLIAMS ROAD LEWISVILLE, NC 27023 | AFLAC | $279 | — | $279 | 0.38% |
| LYNN W RACKEMANN3 | 1065 OLD FULP ROAD DANBURY, NC 27016 | AFLAC | $100 | — | $100 | 0.14% |
| TERESA L SELLS3 | P.O. BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $55 | — | $55 | 0.07% |
| SABRINA HASKELL3 | 430 RYDER CUP LANE CLEMMONS, NC 27012 | AFLAC | $46 | $3 | $49 | 0.07% |
| SHANA M WHITE3 | 139 CREEDMORE DRIVE STATESVILLE, NC 28625 | AFLAC | $32 | — | $32 | 0.04% |
| J MICHAEL BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $30 | — | $30 | 0.04% |
| BRIAN N MARTIN3 | 275 BAYMOUNT DRIVE STATESVILLE, NC 28625 | AFLAC | $29 | — | $29 | 0.04% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $29 | — | $29 | 0.04% |
| MICHAEL D DANIELS3 | 142 TILLEY LANE STATESVILLE, NC 28625 | AFLAC | $26 | — | $26 | 0.04% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APARTMENT 7, SUITE 101 FAYETTEVILLE, VA 28314 | AFLAC | $25 | — | $25 | 0.03% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH P HURLEY | 20 BARROW AVENUE NE CONCORD, NC 28025 | AFLAC | $24 | — | $24 | 0.03% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 501 CLEAR WOOD COURT WAXHAW, NC 28173 | AFLAC | $17 | — | $17 | 0.02% |
| SAUNDRA KAY CARNEY3 | 333 BROOKDALE DRIVE SUITE A STATESVILLE, NC 28677 | AFLAC | $16 | — | $16 | 0.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PLACE MATTHEWS, NC 28104 | AFLAC | $15 | — | $15 | 0.02% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICES INC. | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $15 | — | $15 | 0.02% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PLACE MIDLOTHIAN, VA 23113 | AFLAC | $13 | — | $13 | 0.02% |
| NANCY HUFF3 | 306 BARBEE BOULEVARD OAK ISLAND, NC 28465 | AFLAC | $13 | — | $13 | 0.02% |
| DEBORAH JUNE CRISP3 | 1432 WHITMAN DRIVE NW CONCORD, NC 28027 | AFLAC | $12 | — | $12 | 0.02% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DRIVE CHARLOTTE, NC 28210 | AFLAC | $11 | — | $11 | 0.01% |
| MICHAEL R MEREDITH3 | 11921 ROYCE WATERFORD CIRCLE TAMPA, FL 33626 | AFLAC | $10 | — | $10 | 0.01% |
| CALVIN MICHAEL CAMPBELL3 | 400 ELIZABETH DRIVE APT 4208 PITTSBURGH, PA 15220 | AFLAC | $10 | — | $10 | 0.01% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.01% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $8 | — | $8 | 0.01% |
| LUCY DIANE BAKER3 | 78989 APRICOT LANE PALM DESERT, CA 92211 | AFLAC | $8 | — | $8 | 0.01% |
| DEBORAH A WITHEY3 | 2149 6TH STREET NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH STREET LYNCHBURG, VA 24501 | AFLAC | $6 | — | $6 | 0.01% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $5 | — | $5 | 0.01% |
| FLORINDA S HARWOOD3 | P.O. BOX 1133 TAYLORSVILLE, NC 28681 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY NW SUITE 324-354 ACWORTH, GA 30101 | AFLAC | $3 | — | $3 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL C HARRIS3 | 4110 WILLOW CREEK DRIVE GIBSONIA, PA 15044 | AFLAC | $3 | — | $3 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD SUITE A WOODBURY, NY 11797 | AFLAC | $3 | — | $3 | 0.00% |
| ELIZABETH CUSHING3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 728 MERCER PLACE HUNTERSVILLE, NC 28078 | AFLAC | $2 | — | $2 | 0.00% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $2 | — | $2 | 0.00% |
| FRANKLIN TRAVIS BLACK3 | 5981 WOODFIELD DRIVE KERNERSVILLE, NC 27284 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DRIVE DUNNELLON, FL 34431 | AFLAC | $1 | — | $1 | 0.00% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE SUITE 602 DURHAM, NC 27707 | AFLAC | $1 | — | $1 | 0.00% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM P FLEMING3 | 120 PEARSON DRIVE MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVENUE COLLEGEVILLE, PA 19426 | AFLAC | $1 | — | $1 | 0.00% |
| TONY J DELBEN3 | 143 SANDREED DRIVE MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| NATE LEE SMITH3 | 1014 LIVORNO DRIVE OAKDALE, PA 15071 | AFLAC | $1 | — | $1 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DRIVE SUITE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| LEAH E MELLAY3 | 3936 N MONET COURT ALLISON PARK, PA 15101 | AFLAC | $1 | — | $1 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVIECS SE, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC. | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSAIC GROUP SERVICES3 | P.O. BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $897 | — | $897 | 5.00% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 304 | $1.4M |
| Life insurance | USABLE LIFE | 132 | $25K |
| Short-term disability | USABLE LIFE | 133 | $18K |
| Long-term disability | USABLE LIFE | 129 | $27K |
| Other(2 contracts, 2 carriers) | AFLAC | 132 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.
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.