| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE INC | PO BOX 530 BLDG 3 ASHEVILLE, NC 288020530 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 9.98% |
| INSURANCE SERVICE OF ASHEVILLE3 | PO BOX 530 ASHEVILLE, NC 28802 | DELTA DENTAL OF NORTH CAROLINA | $16K | $0 | $16K | 10.00% |
| TRACY L WARREN3 | 2933B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $3K | $32 | $3K | 3.74% |
| G W HUX & CO3 | PO BOX 1833 ROANOKE RAPIDS, NC 27870 | AFLAC | $3K | $0 | $3K | 3.18% |
| INSURANCE SERV OF ASHEVILLE INC3 | PO BOX 530 ASHEVILLE, NC 28802 | AFLAC | $2K | $0 | $2K | 1.84% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $1K | $0 | $1K | 1.18% |
| STEPHEN STOX3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $1K | $8 | $1K | 1.16% |
| VIRGINIA G CARAWAN3 | 440 OLD NEW BERN RD CHOCOWINITY, NC 27817 | AFLAC | $743 | $0 | $743 | 0.81% |
| REBEKAH MILLS3 | 293 B JESSICA DR WINTERVILLE, NC 28590 | AFLAC | $442 | $0 | $442 | 0.48% |
| KATHERINE PATE3 | 702 CROMWELL DR STE F GREENVILLE, NC 27858 | AFLAC | $420 | $7 | $427 | 0.46% |
| JOHN E JOHNSON3 | 2182 GORDON PATH THE VILLAGES, FL 32163 | AFLAC | $59 | $0 | $59 | 0.06% |
| LINDA MCCOY3 | 143 BROWN AVE COVE CITY, NC 28523 | AFLAC | $32 | $0 | $32 | 0.03% |
| ALFRED E DEVINE3 | 324 DEVINE WAY SILER CITY, NC 27344 | AFLAC | $24 | $0 | $24 | 0.03% |
| WILSON H TRANSUE3 | 1487 SULLIVAN TRL TANNERSVILLE, PA 18372 | AFLAC | $22 | $0 | $22 | 0.02% |
| DAVID W RANCK3 | 848 E MAIN ST STE 800 EPHRATA, PA 17522 | AFLAC | $18 | $0 | $18 | 0.02% |
| REGINA LEONARD3 | 4891 NC 561 HWY LOUISBURG, NC 27549 | AFLAC | $15 | $0 | $15 | 0.02% |
| JOHN M WASHO3 | 24956 WOLF BAY TER ORANGE BEACH, AA 36561 | AFLAC | $14 | $0 | $14 | 0.02% |
| STEPHEN W CROTTS SR3 | 1022 CLIFTWOOD DR SILER CITY, NC 27344 | AFLAC | $13 | $0 | $13 | 0.01% |
| JUSTIN C LAMB3 | 5350 LAKE LIZZIE DR SAINT CLOUD, FL 34771 | AFLAC | $10 | $0 | $10 | 0.01% |
| ANNE H MARTIN3 | 3239 MOUNT TABOR RD CRESWELL, NC 27928 | AFLAC | $9 | $0 | $9 | 0.01% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $8 | $0 | $8 | 0.01% |
| KELLY CRANMER3 | 101 LUCILLES PL BURGAW, NC 28425 | AFLAC | $8 | $0 | $8 | 0.01% |
| REBECCA D WHITLEY3 | 421 CHURCHWOOD LN PITTSBORO, NC 27312 | AFLAC | $8 | $0 | $8 | 0.01% |
| SUE A STEVENS3 | 1229 SUGGS DR FAYETTEVILLE, NC 28306 | AFLAC | $7 | $0 | $7 | 0.01% |
| MASON C LEE3 | 2507 NASH ST NW WILSON, NC 27896 | AFLAC | $6 | $0 | $6 | 0.01% |
| LARRY A WESTON JR3 Filed as: LARRY A WESTON, JR. | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $5 | $0 | $5 | 0.01% |
| MARK D BARBIER3 | 23 CROYDON LN OAK BROOK, IL 60523 | AFLAC | $3 | $0 | $3 | 0.00% |
| IRENE E BROOKS3 | 101 COPPER BEECH LN WOMELSDORF, PA 19567 | AFLAC | $2 | $0 | $2 | 0.00% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR STE 602 DURHAM, NC 27707 | AFLAC | $1 | $0 | $1 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 468 | $162K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 625 | $253K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 625 | $253K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 625 | $253K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 625 | $253K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 273 | $390K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 625 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.