| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST CHOICE BENEFITS3 | P.O. BOX 12186 NEW BERN, NC 28561 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 13.60% |
| MARC JESSUP3 | P.O. BOX 12890 NEW BERN, NC 28561 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $25K | — | $25K | 9.86% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $10K | $23 | $10K | 7.65% |
| NANCY N HUG3 | P.O. BOX 13125 NEW BERN, NC 28561 | AFLAC | $2K | — | $2K | 1.70% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 306 ROLLINGWOOD DRIVE NEWPORT, NC 28570 | AFLAC | $2K | $4 | $2K | 1.32% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $1K | $5 | $1K | 0.99% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 S SMITHFIELD DRIVE KNIGHTDALE, NC 27545 | AFLAC | $985 | — | $985 | 0.72% |
| JERRY OLIVER CREECH3 | 233 MIDDLE STREET, SUITE 107A NEW BERN, NC 28560 | AFLAC | $651 | — | $651 | 0.48% |
| JONATHON R BRINSON3 | P.O. BOX 755 BAYBORO, NC 28515 | AFLAC | $452 | — | $452 | 0.33% |
| PATRICIA O PARSON3 | P.O. BOX 1081 BRIDGETON, NC 28519 | AFLAC | $428 | — | $428 | 0.31% |
| MARY BARES3 | 131 SECRETARIAT DRIVE HAVELOCK, NC 28532 | AFLAC | $427 | — | $427 | 0.31% |
| LARRY A WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $344 | — | $344 | 0.25% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $332 | — | $332 | 0.24% |
| WANDA HARVEY3 Filed as: WANDA A HARVEY | 1419 CRANEING ROAD WICKLIFFE, OH 44092 | AFLAC | $300 | — | $300 | 0.22% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE, NW UNIT 208 HICKORY, NC 28601 | AFLAC | $246 | — | $246 | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $216 | — | $216 | 0.16% |
| GERRY SHERMAN3 | 1302 LA ESTRELLITA WAY THE VILLAGES, FL 32162 | AFLAC | $202 | — | $202 | 0.15% |
| STEPHEN STOX3 | 702 CROMWELL DRIVE, SUITE F GREENVILLE, NC 27858 | AFLAC | $197 | — | $197 | 0.14% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $192 | — | $192 | 0.14% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $143 | — | $143 | 0.10% |
| J MICHAEL BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $131 | — | $131 | 0.10% |
| JERRY OLIVER CREECH3 | 233 MIDDLE STREET, SUITE 107A NEW BERN, NC 28560 | AFLAC | $131 | — | $131 | 0.10% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $122 | — | $122 | 0.09% |
| JERROL D WEATHERLY3 | 4509 GLOUCESTER DRIVE TRENT WOODS, NC 28562 | AFLAC | $86 | — | $86 | 0.06% |
| NICOLE R HUFFMAN3 | 232 GOODMAN ROAD WEST, SUITE 305 SOUTHAVEN, MS 38671 | AFLAC | $59 | — | $59 | 0.04% |
| SUSAN S WEATHERLY3 | 519 SCOTT FARM LANE NEW BERN, NC 28562 | AFLAC | $58 | — | $58 | 0.04% |
| TROY WEAVER3 | 37 JENN ROAD BURGAW, NC 28425 | AFLAC | $56 | — | $56 | 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% |
| JANE W SANFORD3 | 114 BEAVER DAM TRAIL NEWPORT, NC 28570 | AFLAC | $44 | — | $44 | 0.03% |
| ROBERT M LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $44 | — | $44 | 0.03% |
| LAUREN E SKINNER3 | 1225 NORRIS STREET RALEIGH, NC 27604 | AFLAC | $44 | — | $44 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | AFLAC | $43 | — | $43 | 0.03% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $43 | — | $43 | 0.03% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $33 | — | $33 | 0.02% |
| LISA BOURBEAU3 | 2106 E FORT MACON ROAD, UNIT 305 ATLANTIC BEACH, NC 28512 | AFLAC | $28 | — | $28 | 0.02% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVENUE CHARLOTTE, NC 28277 | AFLAC | $26 | — | $26 | 0.02% |
| PATRICK M NELSON3 | P.O. BOX 7005 GREENVILLE, NC 27835 | AFLAC | $25 | — | $25 | 0.02% |
| HAROLD G LEDREW3 | 2240 JOANN AVENUE BULLHEAD CITY, AZ 86442 | AFLAC | $23 | — | $23 | 0.02% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $21 | — | $21 | 0.02% |
| THOMAS R TAYLOR3 | 2838 HOPE DRIVE KINSTON, NC 28504 | AFLAC | $19 | — | $19 | 0.01% |
| LISA BOURBEAU3 | P.O. BOX 1155 MOREHEAD CITY, NC 28557 | AFLAC | $19 | — | $19 | 0.01% |
| BRADLEY G EVERINGTON3 | 1925 HILLS NECK ROAD ERNUL, NC 28527 | AFLAC | $17 | — | $17 | 0.01% |
| DEBORAH H HALL3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $16 | — | $16 | 0.01% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $14 | — | $14 | 0.01% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $14 | — | $14 | 0.01% |
| SARAH E FAGAN3 | 2112 HORSE SHOE BEND NEW BERN, NC 28562 | AFLAC | $14 | — | $14 | 0.01% |
| CHARLES T WALL3 | P.O. BOX 987 BETHEL, NC 27812 | AFLAC | $13 | — | $13 | 0.01% |
| MITZIE B BLUE3 | 750 YOUNGER PLACE HIGH POINT, NC 27265 | AFLAC | $12 | — | $12 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $11 | — | $11 | 0.01% |
| BRENT EVAN ENGELMAN3 | 101 COUNTRYSIDE COURT NEWPORT, NC 28570 | AFLAC | $10 | — | $10 | 0.01% |
| JO A LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $10 | — | $10 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: CONNIE C BROWN | 2225 CARACARA DRIVE NEW BERN, NC 28560 | AFLAC | $9 | — | $9 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.01% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $8 | — | $8 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH ILLINOIS | 220 N LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $6 | — | $6 | 0.00% |
| JOANNE SCHERER3 | 1028 WATER LANE JONESVILLE, NC 28642 | AFLAC | $6 | — | $6 | 0.00% |
| FRANK A STEWART3 | 2702 W CORNWALLIS DRIVE GREENSBORO, NC 27408 | AFLAC | $6 | — | $6 | 0.00% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 2685 S RAINBOW BLVD, SUITE 200 LAS VEGAS, NV 89146 | AFLAC | $5 | — | $5 | 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 | $4 | — | $4 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVENUE HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.00% |
| GARY W GREENE3 | 1609 W ARLINTON BLVD, SUITE 102 GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.00% |
| KIM J WILLIAMS3 | 1278 SEA GATE DRIVE NEWPORT, NC 28570 | AFLAC | $2 | — | $2 | 0.00% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM STREET GREENSBORO, NC 27401 | AFLAC | $2 | — | $2 | 0.00% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PLACE MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M BROCK3 | 301 WEST BROADWAY BLVD JOHNSON CITY, IL 62951 | AFLAC | $0 | — | $0 | 0.00% |
| RACHEL E HUSE3 | 3919 WATFORD WAY FAYETTEVILLE, NC 28306 | AFLAC | $0 | — | $0 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER ROAD GRIMESLAND, NC 27837 | AFLAC | $0 | — | $0 | 0.00% |
| FIRST CHOICE BENEFITS3 | P.O. BOX 35276 CANTON, OH 447355276 | AULTCARE | $4K | — | $4K | 38.22% |
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 | 253 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 253 | $255K |
| Dental(2 contracts, 2 carriers) | AFLAC | 215 | $146K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 253 | $410K |
| Short-term disability | AFLAC | 155 | $136K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 253 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.