| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN INC | PO BOX 100 ROXBORO, NC 27573 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 6.11% |
| JAMES A SCOTT & SON INC3 | 521 EAST MOREHEAD ST. SUITE 300 CHARLOTTE, NC 28202 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 6.09% |
| KELSIE HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $1K | $205 | $1K | 3.60% |
| CONNI L RIPPY3 | 361 N RIDGE CIR ROXBORO, NC 27574 | AFLAC | $1K | — | $1K | 3.43% |
| REBECCA MAYES3 | 6670 HELENA MORIAH RD ROUGEMONT, NC 27572 | AFLAC | $613 | $58 | $671 | 1.80% |
| PATRICIA G HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $272 | $86 | $358 | 0.96% |
| T P SYKES LLC3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $270 | — | $270 | 0.72% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $150 | $58 | $208 | 0.56% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $196 | — | $196 | 0.53% |
| NATHANIEL C REWEY3 | 5 PARKER ST LEXINGTON, MA 02421 | AFLAC | $176 | — | $176 | 0.47% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $120 | — | $120 | 0.32% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WESTWORTH DR DURHAM, NC 27707 | AFLAC | $101 | — | $101 | 0.27% |
| JAMES W RAEFORD3 | 208 S GRIST MILL RD HAMPSTEAD, NC 28443 | AFLAC | $90 | — | $90 | 0.24% |
| CAROLINE HOWARD PEARCE3 | 1206 COLONIAL AVE GREENSBORO, NC 27408 | AFLAC | $61 | — | $61 | 0.16% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $52 | — | $52 | 0.14% |
| JENNIFER L VANROWKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $52 | — | $52 | 0.14% |
| MARLYS J ANDERSON3 | PO BOX 238 BIGFORK, MT 59911 | AFLAC | $48 | — | $48 | 0.13% |
| SUSAN F LAWS3 | 460 TANGLEWOOD CIR ROXBORO, NC 27573 | AFLAC | $45 | — | $45 | 0.12% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GRENVILLE, NC 27858 | AFLAC | $41 | — | $41 | 0.11% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $37 | — | $37 | 0.10% |
| DAVID GIBIDES3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $30 | — | $30 | 0.08% |
| JACK ALBERTSON3 | 321 OLD ROCK RD CLARKSVILLE, VA 23927 | AFLAC | $28 | — | $28 | 0.08% |
| LISA WINTRODE3 Filed as: LISA S WINTRODE | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $25 | — | $25 | 0.07% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $21 | — | $21 | 0.06% |
| JANINE D HUSS3 | 108 CANTINA PL SAINT JOHNS, FL 32259 | AFLAC | $19 | — | $19 | 0.05% |
| KATHERINE H EVERHART3 | 333 MILL STREAM LN LEXINGTON, NC 27292 | AFLAC | $19 | — | $19 | 0.05% |
| KAREN B MATHIS3 | 3730 BURLINGTON RD ROXBORO, NC 27574 | AFLAC | $18 | — | $18 | 0.05% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $17 | — | $17 | 0.05% |
| JEFFREY J HARRIS3 | 7612 PERCY CT RALEIGH, NC 27613 | AFLAC | $17 | — | $17 | 0.05% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $17 | — | $17 | 0.05% |
| THOMAS R BADGETT3 | 105 HICKORY CIR SWANSBORO, NC 28584 | AFLAC | $15 | — | $15 | 0.04% |
| GERALD HILL AND ASSOCIATES3 | 8806 DAPPLE GREY RD OAK RIDGE, NC 27310 | AFLAC | $12 | — | $12 | 0.03% |
| MARY FIELDER ADKINS3 | 1860 CANTER DR RINER, VA 24149 | AFLAC | $10 | — | $10 | 0.03% |
| FAY JETER MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $9 | — | $9 | 0.02% |
| TERRI G MOOSE3 | 6747 CASTLETON DR CLEMMONS, NC 27012 | AFLAC | $8 | — | $8 | 0.02% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $7 | — | $7 | 0.02% |
| J MICHAEL BUTLER3 Filed as: J MICHAEL BUTER | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $7 | — | $7 | 0.02% |
| J KYLE LAWRENCE3 | 2660 ASH ST DENVER, CO 80207 | AFLAC | $6 | — | $6 | 0.02% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $5 | — | $5 | 0.01% |
| LAUREN E SKINNER3 Filed as: LAUREN E SINNER | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $3 | — | $3 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.01% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | AFLAC | $1 | — | $1 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| THOMPSON ALLEN INC3 Filed as: THOMPSON-ALLEN, INC | PO BOX 100 ROXBORO, NC 27573 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $837 | — | $837 | 10.83% |
| THOMPSON ALLEN INC3 | PO BOX 100 ROXBORO, NC 27573 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $469 | — | $469 | 7.50% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $469 | — | $469 | 7.50% |
| CONNI L RIPPY3 | 361 N RIDGE CIR ROXBORO, NC 27574 | AFLAC | $103 | — | $103 | 3.49% |
| KELSIE HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $77 | — | $77 | 2.61% |
| REBECCA MAYES3 | 6670 HELENA MORIAH RD ROUGEMONT, NC 27572 | AFLAC | $46 | — | $46 | 1.56% |
| T P SYKES LLC3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $22 | — | $22 | 0.75% |
| PATRICIA G HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $18 | — | $18 | 0.61% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $15 | — | $15 | 0.51% |
| NATHANIEL C REWEY3 | 5 PARKER ST LEXINGTON, MA 02421 | AFLAC | $14 | — | $14 | 0.47% |
| BRENDA LYNN GARRETT3 | 12475 KENTWOOD AVE FORT MYERS, FL 33913 | AFLAC | $10 | — | $10 | 0.34% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $9 | — | $9 | 0.31% |
| ELIZABETH MANGUM3 Filed as: ELIZABETH W MANGUM | 3919 WESTWORTH DR DURHAM, NC 27707 | AFLAC | $8 | — | $8 | 0.27% |
| JAMES W RAEFORD3 | 208 S GRIST MILL RD HAMPSTEAD, NC 28443 | AFLAC | $7 | — | $7 | 0.24% |
| CAROLINE HOWARD PEARCE3 | 1206 COLONIAL AVE GREENSBORO, NC 27408 | AFLAC | $5 | — | $5 | 0.17% |
| TEATOR'S INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $4 | — | $4 | 0.14% |
| JENNIFER L VANROWKEL3 | 212 LEE TRACE DR SMITHFIELD, NC 27577 | AFLAC | $4 | — | $4 | 0.14% |
| SUSAN F LAWS3 | 460 TANGLEWOOD CIR ROXBORO, NC 27573 | AFLAC | $4 | — | $4 | 0.14% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.10% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $3 | — | $3 | 0.10% |
| DAVID GIBIDES3 | PO BOX 331 ROYERSFORD, PA 19468 | AFLAC | $2 | — | $2 | 0.07% |
| JACK ALBERTSON3 | 321 OLD ROCK RD CLARKSVILLE, VA 23927 | AFLAC | $2 | — | $2 | 0.07% |
| LISA WINTRODE3 Filed as: LISA S WINTRODE | 309 DOGWOOD DR DANVILLE, VA 24541 | AFLAC | $2 | — | $2 | 0.07% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $2 | — | $2 | 0.07% |
| JANINE D HUSS3 | 108 CANTINA PL SAINT JOHNS, FL 32259 | AFLAC | $2 | — | $2 | 0.07% |
| KAREN B MATHIS3 | 3730 BURLINGTON RD ROXBORO, NC 27574 | AFLAC | $2 | — | $2 | 0.07% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $1 | — | $1 | 0.03% |
| JEFFREY J HARRIS3 | 7612 PERCY CT RALEIGH, NC 27613 | AFLAC | $1 | — | $1 | 0.03% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $1 | — | $1 | 0.03% |
| THOMAS R BADGETT3 | 105 HICKORY CIR SWANSBORO, NC 28584 | AFLAC | $1 | — | $1 | 0.03% |
| MARY FIELDER ADKINS3 | 1860 CANTER DR RINER, VA 24149 | AFLAC | $1 | — | $1 | 0.03% |
| FAY JETER MARTIN3 | 19220 FOREST RD LYNCHBURG, VA 24502 | AFLAC | $1 | — | $1 | 0.03% |
| TERRI G MOOSE3 | 6747 CASTLETON DR CLEMMONS, NC 27012 | AFLAC | $1 | — | $1 | 0.03% |
| K EARLE ABERNETHY3 | 2902 SHERYL DR KINSTON, NC 28504 | AFLAC | $1 | — | $1 | 0.03% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.03% |
| J KYLE LAWRENCE3 | 2660 ASH ST DENVER, CO 80207 | AFLAC | $1 | — | $1 | 0.03% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $0 | — | $0 | 0.00% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $0 | — | $0 | 0.00% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $0 | — | $0 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $0 | — | $0 | 0.00% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | AFLAC | $0 | — | $0 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $0 | — | $0 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $0 | — | $0 | 0.00% |
| STEPHEN STRICKLAND3 | 147 WAREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $0 | — | $0 | 0.00% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SKYWARD (FKA HIIG) BROKER | Insurance agents and brokers Service code 22 | 8001 VILLA PARK DRIVE HENRICO, VA 23228 | $384K |
| FLUME HEALTH EIN 82-4131029 CLAIMS PROCESSING | Claims processing Service code 12 | — | $105K |
| JAMES A. SCOTT & SON, INC. BROKER | Insurance agents and brokers Service code 22 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | $24K |
| THOMPSON-ALLEN INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 100 ROXBORO, NC 27573 | $17K |
| ACCURISK SOLUTIONS BROKER | Insurance agents and brokers Service code 22 | 10 S. LASALLE ST, #2350 CHICAGO, IL 60603 | $13K |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 132 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 180 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $32K |
| Other(4 contracts, 2 carriers) | AFLAC | 163 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.