| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $59K | — | $59K | 3.10% |
| THOMAS L LUEBCHOW3 Filed as: THOMAS L LEUBCHOW | 390 PILOT RIDGE DR LEWISVILLE, NC 27023 | AFLAC | $8K | $142 | $8K | 12.06% |
| TITUS R HUNT3 | 2995 MABEL TRL BOONVILLE, NC 27011 | AFLAC | $1K | — | $1K | 1.61% |
| WHITNEY E COBLE CLINE3 | 2361 22ND ST NE HICKORY, NC 28601 | AFLAC | $809 | $33 | $842 | 1.21% |
| C HARVEY KING3 | 1024 BENNINGTON DR CHARLESTON, SC 29492 | AFLAC | $436 | — | $436 | 0.63% |
| SHELLY DENISE CAIRES3 | 220 CASCADE DR HIGH POINT, NC 27265 | AFLAC | $415 | — | $415 | 0.60% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $348 | — | $348 | 0.50% |
| JEREMY M HASKELL3 | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $309 | — | $309 | 0.44% |
| KATHERINE L SIMOS3 | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $306 | — | $306 | 0.44% |
| REGINA G MARTIN3 | 1032 OCEAN BLVD W SUPPLY, NC 28462 | AFLAC | $218 | — | $218 | 0.31% |
| LEIGHANNE A MABE3 | 3010 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $188 | — | $188 | 0.27% |
| ALLEGACY BENEFIT SOLUTIONS LLC3 | PO BOX 25172 WINSTON SALEM, NC 27114 | AFLAC | $183 | — | $183 | 0.26% |
| ELIZABETH F HARKEY3 Filed as: ELIZABETH P HURLEY | 20 BARROW AVE NE CONCORD, NC 28025 | AFLAC | $79 | — | $79 | 0.11% |
| LYNN W RACKEMANN3 | 1065 OLD FULP RD DANBURY, NC 27016 | AFLAC | $73 | — | $73 | 0.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA), INC. | 2600 KELLY RD STE 300 WARRINGTON, PA 18976 | AFLAC | $64 | — | $64 | 0.09% |
| TERESA L SELLS3 | PO BOX 84 WEST JEFFERSON, NC 28694 | AFLAC | $44 | — | $44 | 0.06% |
| DEBORAH JUNE CRISP3 | 1432 WHITMAN DR NW CONCORD, NC 28027 | AFLAC | $38 | — | $38 | 0.05% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $38 | — | $38 | 0.05% |
| SHANA M WHITE3 | 139 CREEDMORE DR STATESVILLE, NC 28625 | AFLAC | $32 | — | $32 | 0.05% |
| PATRICIA M VANDERGAST3 | 8726 HORNWOOD CT CHARLOTTE, NC 28215 | AFLAC | $30 | — | $30 | 0.04% |
| BRIAN N MARTIN3 | 275 BAYMOUNT DR STATESVILLE, NC 28625 | AFLAC | $29 | — | $29 | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $26 | — | $26 | 0.04% |
| J MICHEAL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $21 | — | $21 | 0.03% |
| JONATHAN P DUNN3 | 3337 TWIN RIDGE DR CHARLOTTE, NC 28210 | AFLAC | $17 | — | $17 | 0.02% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 501 CLEAR WOOD CT WAXHAW, NC 28173 | AFLAC | $17 | — | $17 | 0.02% |
| NANCY HUFF3 | 206 BARBEE BLVD OAK ISLAND, NC 28465 | AFLAC | $17 | — | $17 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD STE A WOODBURY, NY 11797 | AFLAC | $16 | — | $16 | 0.02% |
| SAUNDRA KAY CARNEY3 | 681 BEAR CREEK CHURCH RD MOCKSVILLE, NC 27028 | AFLAC | $16 | — | $16 | 0.02% |
| DAVID G BAKER3 | 1531 SUNFLOWER FIELD PL MATTHEWS, NC 28104 | AFLAC | $15 | — | $15 | 0.02% |
| SABRINA HASKELL3 | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $14 | — | $14 | 0.02% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 STE 101 FAYETTEVILLE, VA 28314 | AFLAC | $13 | — | $13 | 0.02% |
| MICHAEL R MEREDITH3 | 11921 ROYCE WATERFORD CIR TAMPA, FL 33626 | AFLAC | $10 | — | $10 | 0.01% |
| GWEN NICHOLS BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.01% |
| LUCY DIANE BAKER3 | 78989 APRICOT LN PALM DESERT, CA 92211 | AFLAC | $8 | — | $8 | 0.01% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $8 | — | $8 | 0.01% |
| MK SWAIN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $6 | — | $6 | 0.01% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $5 | — | $5 | 0.01% |
| FLORINDA S HARWOOD3 Filed as: FLORINDA S ABEE | PO BOX 1133 TAYLORSVILLE, NC 28681 | AFLAC | $4 | — | $4 | 0.01% |
| DEBORAH A WITHEY3 | 2149 6TH ST NW HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 0.01% |
| KATRINA D AIKEN3 | 2511 JUDITH ST LYNCHBURG, VA 24501 | AFLAC | $4 | — | $4 | 0.01% |
| JEFFREY PAUL SEPESI3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $4 | — | $4 | 0.01% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $3 | — | $3 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | AFLAC | $3 | — | $3 | 0.00% |
| DANIEL C HARRIS3 | 413 OAK RIDGE CT MARS, PA 16046 | AFLAC | $3 | — | $3 | 0.00% |
| LEAH E MELLAY3 | 3936 N MONET CT ALLISON PARK, PA 15101 | AFLAC | $3 | — | $3 | 0.00% |
| LEVY Y ISAACSON3 | 1790 SWARTHMORE AVE LAKEWOOD, NJ 08701 | AFLAC | $3 | — | $3 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | AFLAC | $3 | — | $3 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN W PATTEN3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $2 | — | $2 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $2 | — | $2 | 0.00% |
| ELIZABETH CUSHING3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | AFLAC | $2 | — | $2 | 0.00% |
| JOSHUA JAY GARDEN3 | 2850 W TOUHY AVE UNIT B CHICAGO, IL 60645 | AFLAC | $2 | — | $2 | 0.00% |
| JOSHUA JAY GARDEN3 | 2850 W TOUHY AVE UNIT B CHICAGO, IL 60645 | AFLAC | $2 | — | $2 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 149 MALIBU RD STE 101 MOORESVILLE, NC 28117 | AFLAC | $2 | — | $2 | 0.00% |
| HEATHER BARTLEY3 | 120 MARGUERITE DR STE 101 CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDON C ADAMS3 | 64 SHELBY DR CRAWFORDVILLE, FL 32327 | AFLAC | $0 | — | $0 | 0.00% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $0 | — | $0 | 0.00% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINGSTON, NC 28504 | AFLAC | $0 | — | $0 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD STE 2100 COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $0 | — | $0 | 0.00% |
| WILLIAM P FLEMING3 | 184 MEADOWVIEW RD LEXINGTON, NC 27295 | AFLAC | $0 | — | $0 | 0.00% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $0 | — | $0 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTN BCH, CA 92646 | AFLAC | $0 | — | $0 | 0.00% |
| STEPHEN C SIBEL3 | 86 MAPLE AVE COLLEGEVILLE, PA 19426 | AFLAC | $0 | — | $0 | 0.00% |
| TONY J DELBEN3 | 143 SANDREED DR MOORESVILLE, NC 28117 | AFLAC | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $4K | — | $4K | 10.00% |
| MOSIAC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $3K | — | $3K | 10.00% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $2K | — | $2K | 10.00% |
| MOSIAC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $3K | $850 | $4K | 19.78% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | — | $1K | 7.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | USABLE LIFE | $331 | $99 | $430 | 19.50% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $154 | — | $154 | 6.98% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 152 | $1.9M |
| Dental | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 152 | $1.9M |
| Vision | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 152 | $1.9M |
| Life insurance | USABLE LIFE | 153 | $30K |
| Short-term disability | USABLE LIFE | 153 | $25K |
| Long-term disability | USABLE LIFE | 153 | $38K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 152 | $1.9M |
| Other(4 contracts, 2 carriers) | AFLAC | 153 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.