| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $2K | $14K | 13.84% |
| CONNI L RIPPY3 Filed as: CONNI RIPPY | 361 N RIDGE CIR ROXBORO, NC 27574 | AFLAC | $1K | — | $1K | 2.75% |
| KELSIE HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $1K | — | $1K | 2.62% |
| REBECCA MAYES3 | 6670 HELENA MORIAH RD ROUGEMONT, NC 27572 | AFLAC | $608 | — | $608 | 1.45% |
| SIMERSON & ASSOCIATES INC3 | 3810 SOWERS RD LINWOOD, NC 27299 | AFLAC | $347 | — | $347 | 0.83% |
| T P SYKES LLC3 | 1274 SILKY WILLOW DR WAKE FOREST, NC 27587 | AFLAC | $254 | — | $254 | 0.61% |
| PATRICIA G HORNER3 | 302 MABEL LN ROXBORO, NC 27574 | AFLAC | $197 | — | $197 | 0.47% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $190 | — | $190 | 0.45% |
| NATHANIEL C REWEY3 | 5 PARKER ST LEXINGTON, MA 02421 | AFLAC | $119 | — | $119 | 0.28% |
| ELIZABETH MANGUM3 | 11 ALDERSGATE CT DURHAM, NC 27705 | AFLAC | $99 | — | $99 | 0.24% |
| BRENDA GARRETT3 | 1350 FRONT PL UNIT 5102 NORTH PORT, FL 34287 | AFLAC | $96 | — | $96 | 0.23% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $92 | — | $92 | 0.22% |
| CAROLINE HOWARD PEARCE3 | 1206 COLONIAL AVE GREENSBORO, NC 27408 | AFLAC | $81 | — | $81 | 0.19% |
| DONNA N DWYER3 Filed as: DONNA W WACHTER | 2072 1/2 S HAWTHORNE RD WINSTON SALEM, NC 27103 | AFLAC | $76 | — | $76 | 0.18% |
| TITUS R HUNT3 | 2995 MABEL TRL BOONVILLE, NC 27011 | AFLAC | $70 | — | $70 | 0.17% |
| TEATOR'S INS PROTECTION SERVICES3 | 228 WOODFIELD CT FUQUAY VARINA, NC 27526 | AFLAC | $70 | — | $70 | 0.17% |
| JENNIFER L VANROWKEL3 | 5321 EVERGREEN FOREST WAY APT 303 RALEIGH, NC 27616 | AFLAC | $69 | — | $69 | 0.17% |
| KATHERINE L SIMOS3 | 1605 CONRAD RD LEWISVILLE, NC 27023 | AFLAC | $64 | — | $64 | 0.15% |
| SUSAN F LAWS3 | 460 TANGLEWOOD CIR ROXBORO, NC 27573 | AFLAC | $60 | — | $60 | 0.14% |
| RYAN SCOTT SHADEL3 | 3100 BLUFF LN HILLSBOROUGH, NC 27278 | AFLAC | $57 | — | $57 | 0.14% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GRENVILLE, NC 27858 | AFLAC | $52 | — | $52 | 0.12% |
| THOMAS L LUEBCHOW3 Filed as: THOMAS LUEBCHOW | 390 PILOT RIDGE DR LEWISVILLE, NC 27023 | AFLAC | $41 | — | $41 | 0.10% |
| MATTHEW G WILLIAMS3 | 2495 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $37 | — | $37 | 0.09% |
| TONYA ALBERTSON3 | 321 OLD ROCK RD CLARKSVILLE, VA 23927 | AFLAC | $37 | — | $37 | 0.09% |
| KIM J WILLIAMS3 | 3010 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $30 | — | $30 | 0.07% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR APT 532 LYNCHBURG, VA 24502 | AFLAC | $27 | — | $27 | 0.06% |
| TERESA L SELLS3 | 270 LITTLE WILSON RD MOUTH OF WILSON, VA 24363 | AFLAC | $26 | — | $26 | 0.06% |
| JANINE D HUSS3 | 108 CANTINA PL SAINT JOHNS, FL 32259 | AFLAC | $25 | — | $25 | 0.06% |
| KAREN B MATHIS3 | 3730 BURLINGTON RD ROXBORO, NC 27574 | AFLAC | $24 | — | $24 | 0.06% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $22 | — | $22 | 0.05% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO CT NEW BERN, NC 28560 | AFLAC | $22 | — | $22 | 0.05% |
| LORRAINE MALO3 | 10254 DOGWOOD ST FIRESTONE, CO 80504 | AFLAC | $21 | — | $21 | 0.05% |
| THOMAS R BADGETT3 | 107 BUCCANEER CT SWANSBORO, NC 28584 | AFLAC | $20 | — | $20 | 0.05% |
| C HARVEY KING3 | 1024 BENNINGTON DR CHARLESTON, SC 29492 | AFLAC | $19 | — | $19 | 0.05% |
| JEREMY M HASKELL3 | 109 DEMOTTE AVE PORT ORANGE, FL 32127 | AFLAC | $18 | — | $18 | 0.04% |
| REGINA G MARTIN3 | 1032 OCEAN BLVD W SUPPLY, NC 28462 | AFLAC | $15 | — | $15 | 0.04% |
| BRUCE A PETERSEN3 | 140 BIG BUCK TRL BOONE, NC 28607 | AFLAC | $15 | — | $15 | 0.04% |
| RUTH P YOUNG3 | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $11 | — | $11 | 0.03% |
| TERRI G MOOSE3 | 1630 PLOUGHBOY LN WINSTON SALEM, NC 27103 | AFLAC | $11 | — | $11 | 0.03% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $9 | — | $9 | 0.02% |
| LARRY W NICHOLSON3 Filed as: LARRY W W NICHOLSON | 1341 WALES DR FORT MYERS, FL 33901 | AFLAC | $7 | — | $7 | 0.02% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $6 | — | $6 | 0.01% |
| THERESA ABERNETHY3 | 2619 CEDAR HEDGE CT APEX, NC 27523 | AFLAC | $6 | — | $6 | 0.01% |
| LAUREN E SKINNER3 Filed as: LAUREN E SINNER | 1024 MOCKINGBIRD DR RALEIGH, NC 27615 | AFLAC | $4 | — | $4 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $4 | — | $4 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $2 | — | $2 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 STE 101 FAYETTEVILLE, VA 28314 | AFLAC | $2 | — | $2 | 0.00% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $2 | — | $2 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER RD GRIMESLAND, NC 27837 | AFLAC | $2 | — | $2 | 0.00% |
| LINDA B CAMPBELL3 | 174 PALMETTO GREEN DR LONGS, SC 29568 | AFLAC | $1 | — | $1 | 0.00% |
| DUANE A ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $1 | — | $1 | 0.00% |
| ERIC BROGAN3 Filed as: ERIC E MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| MEGHAN MOFFATT LUCAS3 Filed as: MEGHAN M MILLER | 149 MALIBU RD MOORESVILLE, NC 28117 | AFLAC | $1 | — | $1 | 0.00% |
| DONNA STRICKLAND3 | 345 RUBRUM DR HILLSBORO, NC 27278 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $139 | $4K | 10.39% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $179 | $179 | 0.50% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $139 | $3K | 10.43% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $156 | $156 | 0.49% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $139 | $4K | 15.50% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $131 | $131 | 0.47% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD, STE 250 RALEIGH, NC 27607 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.80% |
| THREEFLOW3 | 306 W. ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $146 | — | $146 | 1.25% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 27607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $139 | $1K | 16.58% |
| WATCHTOWER TECHNOLOGIES INC3 | 306 WEST ERIE ST 3RD FL CHICAGO, IL 60654 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $46 | $46 | 0.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 CLAIMS PROCESSING | Claims processing Service code 12 | — | $163K |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 163 | $102K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 239 | $12K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $32K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $36K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 2,105 | $17K |
| Other(3 contracts, 2 carriers) | AFLAC | 229 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,105 | — |
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.