| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDY MAREADY3 | 205 BACK ST NEWPORT, NC 285705222 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 15.23% |
| CAROLINA BENEFIT SPECIALISTS INC3 Filed as: CAROLINA BENEFIT SPECIALISTS INC. | 905 E ARLINGTON BLVD SUITE A GREENVILLE, NC 278585864 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.59% |
| FIRST NATIONAL INSURANCE AGENCY3 Filed as: FIRST NATIONAL INSURANCE AGENCY,LLC | 905 E. ARLINGTON BLVD GREENVILLE, NC 278585864 | DELTA DENTAL OF NORTH CAROLINA | $21K | $0 | $21K | 10.69% |
| G W HUX & CO3 | PO BOX 1833 ROANOKE RAPIDS, NC 27870 | AFLAC | $10K | $0 | $10K | 9.03% |
| TRACY L WARREN3 Filed as: TRACY WARREN | 2933B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $6K | $2K | $8K | 6.64% |
| GORDON VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $4K | $702 | $4K | 3.75% |
| VIRGINIA G CARAWAN3 | 440 OLD NEW BERN RD CHOCOWINITY, NC 27817 | AFLAC | $3K | $1K | $4K | 3.64% |
| REBEKAH MILLS3 | 293 B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $4K | $136 | $4K | 3.28% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $2K | $562 | $3K | 2.33% |
| REGINA LEONARD3 | 4891 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $30 | $0 | $30 | 0.03% |
| JOHN E JOHNSON3 | 1203 S MARKET ST NANTICOKE, PA 18634 | AFLAC | $25 | $0 | $25 | 0.02% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $24 | $0 | $24 | 0.02% |
| J KYLE LAWRENCE3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | AFLAC | $21 | $0 | $21 | 0.02% |
| STEPHEN W CROTTS SR3 | 514 E 3RD ST UNIT C SILER CITY, NC 27344 | AFLAC | $19 | $0 | $19 | 0.02% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $15 | $0 | $15 | 0.01% |
| LAWRENCE BENEFITS INC3 | 1112 HARP ST RALEIGH, NC 27604 | AFLAC | $12 | $0 | $12 | 0.01% |
| JANN MARIE FORD3 | 289 NORTHAMPTON DR HENRICO, NC 27842 | AFLAC | $12 | $0 | $12 | 0.01% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $9 | $0 | $9 | 0.01% |
| KELLY CRANMER3 | 4953 TANBARK DR WILMINGTON, NC 28412 | AFLAC | $8 | $0 | $8 | 0.01% |
| REBECCA D WHITLEY3 | 421 CHURCHWOOD LN PITTSBORO, NC 27312 | AFLAC | $8 | $0 | $8 | 0.01% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $8 | $0 | $8 | 0.01% |
| SUE STEVENS3 | 1229 SUGGS DR FAYETTEVILLE, NC 28306 | AFLAC | $7 | $0 | $7 | 0.01% |
| JAMES A LAWRENCE3 | PO BOX 98777 RALEIGH, NC 27624 | AFLAC | $7 | $0 | $7 | 0.01% |
| JOHN M WASHO3 | 106 CEDAR BLUFF CT ALEDO, TX 76008 | AFLAC | $6 | $0 | $6 | 0.01% |
| FRANKLIN TRAVIS BLACK3 Filed as: FRANKLIN T BLACK | 5981 WOODFIELD DR KERNERSVILLE, NC 27284 | AFLAC | $4 | $0 | $4 | 0.00% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $4 | $0 | $4 | 0.00% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $2 | $0 | $2 | 0.00% |
| DIGITAL INSURANCE LLC3 | 2301 REXWOODS DRIVE SUITE RALEIGH, NC 27076 | AFLAC | $2 | $0 | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: SAM P BROWN III | PO BOX 517 COLFAX, NC 27235 | AFLAC | $1 | $0 | $1 | 0.00% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $1 | $0 | $1 | 0.00% |
| C HARVEY KING3 | 931-B SOUTH MAIN ST #206 KERNERSVILLE, NC 27284 | AFLAC | $1 | $0 | $1 | 0.00% |
| C HARVEY KING3 | 931 S MAIN ST STE B #206 KERNERSVILLE, NC 27284 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRANDON C ADAMS3 | 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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 517 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $235K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $235K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $235K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $235K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 780 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.