| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST CHOICE BENEFITS3 | P.O. BOX 12186 NEW BERN, NC 28561 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 12.19% |
| MARC JESSUP3 | P.O. BOX 12890 NEW BERN, NC 28561 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $35K | — | $35K | 16.30% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $11K | $666 | $12K | 8.67% |
| NANCY N HUG3 | P.O. BOX 13125 NEW BERN, NC 28561 | AFLAC | $3K | — | $3K | 2.29% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 1444 SOUTH 17TH STREET WILMINGTON, NC 28401 | AFLAC | $2K | $253 | $2K | 1.33% |
| JERRY OLIVER CREECH3 | 233 MIDDLE STREET, SUITE 107A NEW BERN, NC 28560 | AFLAC | $2K | $13 | $2K | 1.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $1K | — | $1K | 0.87% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $614 | $126 | $740 | 0.54% |
| PATRICIA O PARSON3 | P.O. BOX 1081 BRIDGETON, NC 28519 | AFLAC | $668 | — | $668 | 0.49% |
| WANDA HARVEY3 Filed as: WANDA A HARVEY | 1419 CRANEING ROAD WICKLIFFE, OH 44092 | AFLAC | $469 | — | $469 | 0.34% |
| JONATHAN R BRINSON3 | P.O. BOX 755 BAYBORO, NC 28515 | AFLAC | $421 | — | $421 | 0.31% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $375 | — | $375 | 0.27% |
| STEPHEN STOX3 | 702 CROMWELL DRIVE, SUITE F GREENVILLE, NC 27858 | AFLAC | $328 | $3 | $331 | 0.24% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $283 | — | $283 | 0.21% |
| GERRY SHERMAN3 | 1302 LA ESTRELLITA WAY THE VILLAGES, FL 32162 | AFLAC | $279 | — | $279 | 0.20% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $270 | — | $270 | 0.20% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE, NW UNIT 208 HICKORY, NC 28601 | AFLAC | $247 | — | $247 | 0.18% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $166 | — | $166 | 0.12% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD, SUITE A HICKORY, NC 28601 | AFLAC | $118 | — | $118 | 0.09% |
| DEBORAH H HALL3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $88 | — | $88 | 0.06% |
| JERROL D WEATHERLY3 | 4509 GLOUCESTER DRIVE TRENT WOODS, NC 28562 | AFLAC | $81 | — | $81 | 0.06% |
| NICOLE R HUFFMAN3 | 445 WESTERN BLVD, SUITE C JACKSONVILLE, NC 28546 | AFLAC | $61 | — | $61 | 0.04% |
| TROY WEAVER3 | 213 FOREST HILLS DRIVE WILMINGTON, NC 28403 | AFLAC | $56 | — | $56 | 0.04% |
| SUSAN S WEATHERLY3 | P.O. BOX 12614 NEW BERN, NC 28561 | AFLAC | $53 | — | $53 | 0.04% |
| REGINALD G DAUGHERTY3 | 790 CARDINAL ROAD, SUITE 2 NEW BERN, NC 28562 | AFLAC | $47 | — | $47 | 0.03% |
| ROBERT E DERBY3 | 212 DRAKE LANDING NEW BERN, NC 28560 | AFLAC | $45 | — | $45 | 0.03% |
| ROBERT M LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $44 | — | $44 | 0.03% |
| HAROLD D SCHWALM3 Filed as: HAROLD W SCHWALM | 6413 BROOK LANE SAVAGE, MN 55378 | AFLAC | $40 | — | $40 | 0.03% |
| SARAH E FAGAN3 | 2112 HORSE SHOE BEND NEW BERN, NC 28562 | AFLAC | $34 | — | $34 | 0.02% |
| LISA BOURBEAU3 | P.O. BOX 1155 MOREHEAD CITY, NC 28557 | AFLAC | $33 | — | $33 | 0.02% |
| HAROLD G LEDREW3 | 2240 JOANN AVENUE BULLHEAD CITY, AZ 86442 | AFLAC | $29 | — | $29 | 0.02% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD, SUITE A HICKORY, NC 28601 | AFLAC | $29 | — | $29 | 0.02% |
| LINDA C WOOSLEY3 | P.O. BOX 250 KALISPELL, MT 59903 | AFLAC | $27 | — | $27 | 0.02% |
| PATRICK M NELSON3 | P.O. BOX 7005 GREENVILLE, NC 27835 | AFLAC | $25 | — | $25 | 0.02% |
| ANDERSON C THOMPSON3 | 4001 TRENT PINES DRIVE NEW BERN, NC 28562 | AFLAC | $24 | — | $24 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $20 | $3 | $23 | 0.02% |
| MARY BARES3 | 131 SECRETARIAT DRIVE HAVELOCK, NC 28532 | AFLAC | $23 | — | $23 | 0.02% |
| DURWARD W HANCOCK JR3 Filed as: DURWARD W HANCOCK, JR | P.O. BOX 3634 NORTH MYRTLE BEACH, SC 29582 | AFLAC | $21 | — | $21 | 0.02% |
| THOMAS R TAYLOR3 | 2838 HOPE DRIVE KINSTON, NC 28504 | AFLAC | $19 | — | $19 | 0.01% |
| BRADLEY G EVERINGTON3 | 1925 HILLS NECK ROAD ERNUL, SC 28527 | AFLAC | $17 | — | $17 | 0.01% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD., SUITE 102 GREENVILLE, SC 27858 | AFLAC | $12 | $3 | $15 | 0.01% |
| MITZIE B BLUE3 | 750 YOUNGER PLACE HIGH POINT, NC 27265 | AFLAC | $15 | — | $15 | 0.01% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $14 | — | $14 | 0.01% |
| J D BUTLER3 | 5101 HAWFIELDS CROSSING LANE MEBANE, NC 27302 | AFLAC | $13 | — | $13 | 0.01% |
| CHARLES T WALL3 | P.O. BOX 987 BETHEL, NC 27812 | AFLAC | $13 | — | $13 | 0.01% |
| JO A LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $10 | — | $10 | 0.01% |
| BRENT EVAN ENGELMAN3 | 101 COUNTRYSIDE COURT NEWPORT, NC 28570 | AFLAC | $10 | — | $10 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $8 | — | $8 | 0.01% |
| FRANK A STEWART3 | 2702 W CORNWALLIS DRIVE GREENSBORO, NC 27408 | AFLAC | $8 | — | $8 | 0.01% |
| JOANNE SCHERER3 | 1028 WATER LANE JONESVILLE, NC 28642 | AFLAC | $8 | — | $8 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $6 | — | $6 | 0.00% |
| JAMES CAPPEL3 | 926 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $5 | — | $5 | 0.00% |
| JOHN ARIANSEN3 Filed as: JOHN D ARIANSEN | P.O. BOX 18214 GREENSBORO, NC 27419 | AFLAC | $5 | — | $5 | 0.00% |
| WILLIAM B KRZCIOK3 Filed as: WILLIAM B KRZCOIK | 2760 FORT MYER AVENUE HENDERSON, NV 89052 | AFLAC | $4 | — | $4 | 0.00% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $4 | — | $4 | 0.00% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM STREET GREENSBORO, NC 27401 | AFLAC | $3 | — | $3 | 0.00% |
| FIRST CHOICE BENEFITS3 | P.O. BOX 35276 CANTON, OH 44735 | AULTCARE | $3K | — | $3K | 37.38% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 271 | $216K |
| Dental(2 contracts, 2 carriers) | AFLAC | 208 | $146K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 271 | $402K |
| Short-term disability | AFLAC | 165 | $137K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 271 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.