| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARBARA W DEBERRY3 Filed as: BARBARA W. DEBERRY | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 5.16% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $10K | $3K | $14K | 4.11% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 3.45% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.84% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 1.76% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $4K | $938 | $5K | 1.51% |
| RICHARD WORRELL LLC3 | 6235 MORRISON ROAD CHARLOTTE, NC 28211 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $920 | $81 | $1K | 0.30% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. 2ND FLOOR #275 RALEIGH, NC 27607 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $800 | $70 | $870 | 0.26% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $151 | $212 | $363 | 0.11% |
| KEITH O MOELLER3 Filed as: KEITH O. MOELLER | 225 S. 6TH STREET SUITE 2900 MINNEAPOLLIS, MN 55402 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $103 | $252 | $355 | 0.11% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $197 | $66 | $263 | 0.08% |
| COLUMNS RESOURCE GROUP3 | 225 S. 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $13 | $11 | $24 | 0.01% |
| JAMES RICHARD WORRELL3 | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | $7 | $16 | $23 | 0.01% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | — | $15 | $15 | 0.00% |
| COLUMNS RESOURCE GROUP3 | 225 S. 6TH STREET SUITE 2900 MINNEAPOLIS, MN 55402 | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | — | $10 | $10 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICE | P. O. BOX 203510 NC LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.04% |
| WELLS FARGO INSURANCE SERVICES3 | P. O. BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $638 | $638 | 1.03% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $316 | $2K | 4.51% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $797 | $183 | $980 | 2.73% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $154 | $53 | $207 | 0.58% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $52 | $87 | $139 | 0.39% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $55 | $78 | $133 | 0.37% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE, SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $67 | $25 | $92 | 0.26% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $60 | $22 | $82 | 0.23% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $46 | $14 | $60 | 0.17% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $38 | $3 | $41 | 0.11% |
| JAMES RICHARD WORRELL3 Filed as: JAMES RCHARD WORRELL | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5 | $12 | $17 | 0.05% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. RALEIGH, NE 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13 | $1 | $14 | 0.04% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $10 | $10 | 0.03% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| WELLS FARGO INSURANCE SERVICES3 | P. O. BOX 203510 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $49 | $49 | 1.07% |
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 | 475 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 346 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $236K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 467 | $297K |
| Other(4 contracts, 4 carriers) | THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY | 499 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.