| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDY MAREADY3 | 205 BACK ST NEWPORT, NC 285705222 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 13.26% |
| CAROLINA BENEFIT SPECIALISTS INC3 Filed as: CAROLINA BENEFIT SPECIALISTS INC. | 905 E ARLINGTON BLVD SUITE A GREENVILLE, NC 278585864 | METROPOLITAN LIFE INSURANCE COMPANY | $651 | $0 | $651 | 0.32% |
| CAROLINA BENEFIT SPECIALISTS INC3 Filed as: CAROLINA BENEFIT SPECIALISTS INC. | 905 E. ARLINGTON BLVD GREENVILLE, NC 278585864 | DELTA DENTAL OF NORTH CAROLINA | $15K | $0 | $15K | 9.16% |
| G W HUX & CO3 | PO BOX 1833 ROANOKE RAPIDS, NC 27870 | AFLAC | $16K | $0 | $16K | 19.15% |
| TRACY L WARREN3 Filed as: TRACY WARREN | 2933B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $13K | $4 | $13K | 15.66% |
| VIRGINIA CARAWAN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $7K | $0 | $7K | 8.69% |
| GORDON VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $6K | $0 | $6K | 7.28% |
| STEPHEN STOX3 | 702 CROMWELL DR SUITE F GREENVILLE, NC 27858 | AFLAC | $3K | $0 | $3K | 3.46% |
| JAN FORD3 | 289 NORTHAMPTON DR HENRICO, NC 27842 | AFLAC | $323 | $16 | $339 | 0.40% |
| REGINA LEONARD3 | 4891 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $47 | $6 | $53 | 0.06% |
| REBEKAH MILLS3 | 293 B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $49 | $0 | $49 | 0.06% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $33 | $6 | $39 | 0.05% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN BLACK | 5981 WOODFIELD DR KERNERSVILLE, NC 27284 | AFLAC | $21 | $0 | $21 | 0.02% |
| DIGITAL INSURANCE LLC3 | 4008 BARRETT DR SUITE 101 RALEIGH, NC 27609 | AFLAC | $9 | $0 | $9 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAM BROWN III | PO BOX 517 COLFAX, NC 27235 | AFLAC | $7 | $0 | $7 | 0.01% |
| C KING3 Filed as: C. KING | 931 S MAIN ST STE B206 KERNERSVILLE, NC 27284 | AFLAC | $7 | $0 | $7 | 0.01% |
| ALFRED E DEVINE3 Filed as: ALFRED DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $7 | $0 | $7 | 0.01% |
| STEPHEN W CROTTS SR3 Filed as: STEPHEN CROTTS SR | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $4 | $0 | $4 | 0.00% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR RD STE A HICKORY, NC 28601 | AFLAC | $3 | $0 | $3 | 0.00% |
| KELLY CRANMER3 | 4953 TANBARK DR WILMINGTON, NC 28412 | AFLAC | $2 | $0 | $2 | 0.00% |
| REBECCA D WHITLEY3 Filed as: REBECCA WHITLEY | 600 MILLBROOK DR APT 201 PITTSBORO, NC 27312 | AFLAC | $2 | $0 | $2 | 0.00% |
| SUE STEVENS3 | 1229 SUGGS DR FAYETTEVILLE, NC 28306 | AFLAC | $2 | $0 | $2 | 0.00% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 426 | $160K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 757 | $206K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 757 | $206K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 757 | $206K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 757 | $206K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 757 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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.