| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST CHOICE BENEFITS3 | P.O. BOX 12186 NEW BERN, NC 28561 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 10.73% |
| MARC JESSUP3 | P.O. BOX 12890 NEW BERN, NC 28561 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $24K | — | $24K | 9.89% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $14K | $458 | $15K | 10.04% |
| NANCY N HUG3 | P.O. BOX 13125 NEW BERN, NC 28561 | AFLAC | $2K | — | $2K | 1.28% |
| STEPHEN STOX3 | 702 CROMWELL DRIVE, SUITE F GREENVILLE, NC 27858 | AFLAC | $2K | — | $2K | 1.22% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $2K | — | $2K | 1.19% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 2685 SOUTH RAINBOW BLVD, SUITE 200 LAS VEGAS, NV 89146 | AFLAC | $809 | $93 | $902 | 0.61% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 100 SOUTH SMITHFIELD ROAD KNIGHTDALE, NC 27545 | AFLAC | $783 | — | $783 | 0.53% |
| CATHERINE L LEE3 | 10 NUN STREET WILMINGTON, NC 28401 | AFLAC | $625 | $93 | $718 | 0.49% |
| K EARLE ABERNETHY3 | 610 EYAM HALL LANE APEX, NC 27502 | AFLAC | $717 | — | $717 | 0.49% |
| JERRY OLIVER CREECH3 | 5915 SANTO DOMINGO COURT NEW BERN, NC 28560 | AFLAC | $640 | — | $640 | 0.43% |
| MELISSA ARMATIS3 Filed as: MELISSA RHODES | 107 SOUTHERN BLVD, SUITE 103A SAVANNAH, GA 31405 | AFLAC | $458 | — | $458 | 0.31% |
| JONATHON R BRINSON3 | P.O. BOX 755 BAYBORO, NC 28515 | AFLAC | $415 | — | $415 | 0.28% |
| PATRICIA O PARSON3 | P.O. BOX 1081 BRIDGETON, NC 28519 | AFLAC | $366 | — | $366 | 0.25% |
| LARRY A WESTON JR3 | 321 WINDSOR ROAD GREENVILLE, NC 27858 | AFLAC | $283 | — | $283 | 0.19% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NW, UNIT 208 HICKORY, NC 28601 | AFLAC | $242 | — | $242 | 0.16% |
| MARY BARES3 | 131 SECRETARIAT DRIVE HAVELOCK, NC 28532 | AFLAC | $227 | $8 | $235 | 0.16% |
| WANDA HARVEY3 Filed as: WANDA A HARVEY | 1419 CRANEING ROAD WICKLIFFE, OH 44092 | AFLAC | $231 | — | $231 | 0.16% |
| GERRY SHERMAN3 | 1302 LA ESTRELLITA WAY THE VILLAGES, FL 32162 | AFLAC | $185 | — | $185 | 0.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $171 | — | $171 | 0.12% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $165 | — | $165 | 0.11% |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $125 | — | $125 | 0.08% |
| J MICHAEL BUTLER3 | 1090 13TH AVENUE NW HICKORY, NC 28601 | AFLAC | $119 | — | $119 | 0.08% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $104 | — | $104 | 0.07% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $94 | — | $94 | 0.06% |
| MICHAEL B HAYES3 | 1219 PINE VALLEY DRIVE NEW BERN, NC 28562 | AFLAC | $91 | — | $91 | 0.06% |
| SUSAN S WEATHERLY3 | 519 SCOTT FARM LANE NEW BERN, NC 28562 | AFLAC | $84 | — | $84 | 0.06% |
| DEBORAH H HALL3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $76 | — | $76 | 0.05% |
| MATTHEW G BERGER3 Filed as: MATTHEW W PINER | 8171 HAMPTON WOOD DRIVE BOCA RATON, FL 33433 | AFLAC | $76 | — | $76 | 0.05% |
| VERONICA HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $65 | — | $65 | 0.04% |
| JERROL D WEATHERLY3 | 4509 GLOUCESTER DRIVE TRENT WOODS, NC 28562 | AFLAC | $61 | — | $61 | 0.04% |
| TROY WEAVER3 | 37 JENN ROAD BURGAW, NC 28425 | AFLAC | $61 | — | $61 | 0.04% |
| REGINALD G DAUGHERTY3 | 790 CARDINAL ROAD, SUITE 2 NEW BERN, NC 28562 | AFLAC | $51 | — | $51 | 0.03% |
| ROBERT E DERBY3 | 212 DRAKE LANDING NEW BERN, NC 28560 | AFLAC | $48 | — | $48 | 0.03% |
| ROBERT M LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $45 | — | $45 | 0.03% |
| NICOLE R HUFFMAN3 | 5740 GETWELL ROAD, BLDGING 9 STE C SOUTHAVEN, MS 38672 | AFLAC | $44 | — | $44 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DRIVE, SUITE 602 DURHAM, NC 27707 | AFLAC | $38 | — | $38 | 0.03% |
| LAUREN E SKINNER3 | 1225 NORRIS STREET RALEIGH, NC 27604 | AFLAC | $37 | — | $37 | 0.03% |
| LISA BOURBEAU3 | 2106 E FORT MACON ROAD, UNIT 305 ATLANTIC BEACH, NC 28512 | AFLAC | $32 | — | $32 | 0.02% |
| TRACY L WARREN3 | 2933B JESSICA DRIVE WINTERVILLE, NC 28590 | AFLAC | $31 | — | $31 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $25 | — | $25 | 0.02% |
| PATRICK M NELSON3 | P.O. BOX 3062 GREENVILLE, NC 27836 | AFLAC | $23 | — | $23 | 0.02% |
| JANE W SANFORD3 | 114 BEAVER DAM TRAIL NEWPORT, NC 28570 | AFLAC | $22 | — | $22 | 0.01% |
| STEPHEN M SMITH3 | 10374 ALEXANDER MARTIN AVENUE CHARLOTTE, NC 28277 | AFLAC | $22 | — | $22 | 0.01% |
| THOMAS R TAYLOR3 | 2838 HOPE DRIVE KINSTON, NC 28504 | AFLAC | $21 | — | $21 | 0.01% |
| BRADLEY G EVERINGTON3 | 1925 HILLS NECK ROAD ERNUL, NC 28527 | AFLAC | $18 | — | $18 | 0.01% |
| K EARLE ABERNETHY3 | 2902 SHERYL DRIVE KINSTON, NC 28504 | AFLAC | $17 | — | $17 | 0.01% |
| JANICE R HUSEBO3 | P.O. BOX 19009 ASHEVILLE, NC 28815 | AFLAC | $16 | — | $16 | 0.01% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $16 | — | $16 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $15 | — | $15 | 0.01% |
| CHARLES T WALL3 | P.O. BOX 987 BETHEL, NC 27812 | AFLAC | $15 | — | $15 | 0.01% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $11 | — | $11 | 0.01% |
| LISA H MCKINNEY3 | 56 GLEN COVE DRIVE ARDEN, NC 28704 | AFLAC | $11 | — | $11 | 0.01% |
| SARAH E FAGAN3 | 2112 HORSE SHOE BEND NEW BERN, NC 28562 | AFLAC | $11 | — | $11 | 0.01% |
| BRENT EVAN ENGELMAN3 | 101 COUNTRYSIDE COURT NEWPORT, NC 28570 | AFLAC | $11 | — | $11 | 0.01% |
| JO A LYMAN3 | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $11 | — | $11 | 0.01% |
| STEPHEN STRICKLAND3 | 147 WARREN DRIVE ROANOKE RAPIDS, NC 27870 | AFLAC | $10 | — | $10 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | 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 | $7 | — | $7 | 0.00% |
| NICOLE R HUFFMAN3 | 232 GOODMAN ROAD WEST, SUITE 305 SOUTHAVEN, MS 38671 | AFLAC | $6 | — | $6 | 0.00% |
| JANICE ADAMS3 Filed as: JANICE B ADAMS | 92 RIDDLE ROAD SWANNANOA, NC 28778 | AFLAC | $5 | — | $5 | 0.00% |
| JAMES CAPPEL3 | 926 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $5 | — | $5 | 0.00% |
| SUSAN HAMER3 | 120 W ALLEN STREET, SUITE 20 HENDERSONVILLE, NC 28792 | AFLAC | $5 | — | $5 | 0.00% |
| PATRICK M NELSON3 | P.O. BOX 7005 GREENVILLE, NC 27835 | AFLAC | $4 | — | $4 | 0.00% |
| WILLIAM B KRZCIOK3 | 2760 FORT MYER AVENUE HENDERSON, NV 89052 | AFLAC | $3 | — | $3 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.00% |
| GARY W GREENE3 | 1609 W ARLINGTON BLVD, SUITE 102 GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM P FLEMING3 | 1511 BRENTWOOD PLACE MORGANTON, NC 28655 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M BROCK3 | 301 W BROADWAY BLVD JOHNSTON CITY, IL 62951 | AFLAC | $1 | — | $1 | 0.00% |
| SEAN R HILDRETH3 | 434 TUCKER ROAD GRIMESLAND, NC 27837 | AFLAC | $1 | — | $1 | 0.00% |
| JERRY OLIVER CREECH3 | 233 MIDDLE STREET, SUITE 107A NEW BERN, NC 28560 | AFLAC | $0 | — | $0 | 0.00% |
| FIRST CHOICE BENEFITS3 | P.O. BOX 35276 CANTON, OH 447355276 | AULTCARE | $4K | — | $4K | 36.95% |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 252 | $244K |
| Dental(2 contracts, 2 carriers) | AFLAC | 211 | $157K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 252 | $476K |
| Short-term disability | AFLAC | 152 | $147K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 252 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.