| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 | P.O. BOX 10489 LYNCHBURG, VA 245060489 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $4K | $25K | 9.88% |
| BRIAN BICKLEY3 | PO BOX 10489 LYNCHBURG, VA 245060489 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $70K | — | $70K | 33.05% |
| MICHAEL E STARKIE3 Filed as: MICHAEL STARKIE | 525 SHADOW RIDGE DRIVE WINTERVILLE, NC 28590 | AFLAC | $10K | $930 | $11K | 11.98% |
| WILLIAM A PORTER JR3 | 2361 IVY RD GREENVILLE, NC 27858 | AFLAC | $5K | $542 | $6K | 6.51% |
| CECIL JACKSON3 | 3483 EVANS STREET STE A GREENVILLE, NC 27834 | AFLAC | $2K | $165 | $3K | 2.70% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $2K | $259 | $2K | 2.49% |
| FREDERICK DEMONS3 | 655 MARIE ANTOINETTE ST APT 146 LAFAYETTE, LA 70506 | AFLAC | $797 | $2 | $799 | 0.86% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $324 | $188 | $512 | 0.55% |
| CARLOS D ESPINOSA3 Filed as: CARLOS D ESPINOZA | 1164 ROBERT MALLET RD ARNAUDVILLE, LA 70512 | AFLAC | $439 | $19 | $458 | 0.49% |
| KAYLA M SIMON3 | 1050 COOPER ROAD ARNAUDVILLE, LA 70512 | AFLAC | $151 | $97 | $248 | 0.27% |
| GARY W GREENE3 | 1609 W ARLINTON BLVD STE. 102 GREENVILLE, NC 27858 | AFLAC | $159 | $75 | $234 | 0.25% |
| KEITH WILLIAM BELLE3 | 113 FLAGG PLACE BLDG 6 STEC LAFAYETTE, LA 70508 | AFLAC | $151 | — | $151 | 0.16% |
| KYLE MANICK3 | 111 N ELM ST GREENVILLE, NC 27858 | AFLAC | $97 | — | $97 | 0.10% |
| CHARLES T WALL3 | PO BOX 987 BETHEL, NC 27812 | AFLAC | $61 | — | $61 | 0.07% |
| CHARLES BRITT BERRIER JR3 | PO BOX 722 WYTHEVILLE, VA 24382 | AFLAC | $51 | — | $51 | 0.06% |
| BLAZE J FREMIN3 | PO BOX 53871 LAFAYETTE, LA 70505 | AFLAC | $29 | $19 | $48 | 0.05% |
| THEODORE AUTHEMENT3 | 800 RYAN ST STE 200 LAKE CHARLES, LA 70601 | AFLAC | $28 | $19 | $47 | 0.05% |
| MARIO SILVA3 Filed as: MARIO D SILVA | 14718 PLANTATION OAK DR HOUSTON, TX 77068 | AFLAC | $46 | — | $46 | 0.05% |
| ELIZABETH M BERNDT3 | 2608A SAWGRASS DR WINTERVILLE, NC 28590 | AFLAC | $36 | — | $36 | 0.04% |
| HEATHER V EASTWOOD3 | 2536 NASH JOYNER RD FARMVILLE, NC 27828 | AFLAC | $31 | — | $31 | 0.03% |
| WILLIAM A PORTER JR3 Filed as: WILLIAM SHANE CARTER | 1725 E 1ST STREET GREENVILLE, NC 27858 | AFLAC | $29 | — | $29 | 0.03% |
| LAUREN E SKINNER3 | 1024 MOCKINGBIRD DRIVE RALEIGH, NC 27615 | AFLAC | $26 | — | $26 | 0.03% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DRIVE HOUSTON, TX 77068 | AFLAC | $23 | — | $23 | 0.02% |
| GORDON K VANN3 | 2156 WESLEY LANE GREENVILLE, NC 27858 | AFLAC | $21 | — | $21 | 0.02% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $21 | — | $21 | 0.02% |
| JOANNA B WHITFIELD3 | 106 S HARDING DR GOLDSBORO, NC 27534 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN A HAWLEY3 | 1390 SOUTHSIDE DRIVE SALEM, VA 24153 | AFLAC | $16 | — | $16 | 0.02% |
| JEFFREY C WEST3 | 17403 WIDMORE PLACE SPRING, TX 77379 | AFLAC | $13 | — | $13 | 0.01% |
| ROGER A PISANI3 | PO BOX 11136 NEW IBERIA, LA 70562 | AFLAC | $12 | — | $12 | 0.01% |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $11 | — | $11 | 0.01% |
| MICHAEL HOWARD WEEKS3 | 303 EMAIN ST STE 9 ELIZABETH CITY, NC 27909 | AFLAC | $9 | — | $9 | 0.01% |
| BOBBY RAY MAINES JR.3 Filed as: BOBBY R MAINES | PO BOX 485 SPARTA, NC 28675 | AFLAC | $3 | — | $3 | 0.00% |
| JOANNA MURPHREY3 | 6345 US HIGHWAY 258 N FARMVILLE, NC 27828 | AFLAC | $2 | — | $2 | 0.00% |
| NELSON ADAMS3 | 3718 CANTATA DR GREENVILLE, NC 27858 | AFLAC | $2 | — | $2 | 0.00% |
| SARAH ELLEN PARDUE3 | 390 FAIRWAY LN WYTHEVILLE, VA 24382 | AFLAC | $2 | — | $2 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF NORTH CAR EIN 56-0894904 STOP LOSS CARRIER | Insurance agents and brokers Service code 22 | 1965 IVY CREEK BLVD DURHAM, NC 27707 | $254K |
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 | 1,473 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,473 | $212K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $254K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $254K |
| Short-term disability | AFLAC | 320 | $93K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $254K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,473 | $212K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,279 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,473 | — |
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.