| 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 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $23K | $7K | $31K | 6.74% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $17K | $5K | $22K | 4.79% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $9K | $2K | $11K | 2.39% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $5K | $8K | 1.76% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $4K | $7K | 1.47% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $1K | $5K | 1.20% |
| RICHARD WORRELL LLC3 | 6235 MORRISON ROAD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $119 | $1K | 0.32% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. 2ND FLOOR #275 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $109 | $1K | 0.29% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $315 | $272 | $587 | 0.13% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $169 | $238 | $407 | 0.09% |
| KEITH O MOELLER3 Filed as: KEITH O. MOELLER | 225 S. 6TH STREET SUITE 2900 MINNEAPOLLIS, MN 55402 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $243 | $243 | 0.05% |
| JAMES RICHARD WORRELL3 | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $18 | $40 | $58 | 0.01% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1 | $36 | $37 | 0.01% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $332 | $2K | 4.15% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $814 | $187 | $1K | 2.45% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $238 | $219 | $457 | 1.12% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $223 | $75 | $298 | 0.73% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE, SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $178 | $61 | $239 | 0.58% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $61 | $85 | $146 | 0.36% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13 | $101 | $114 | 0.28% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $55 | $5 | $60 | 0.15% |
| JAMES RICHARD WORRELL3 Filed as: JAMES RCHARD WORRELL | 6235 MORRISON BLVD. CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13 | $29 | $42 | 0.10% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13 | $28 | $41 | 0.10% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $3 | $31 | 0.08% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $26 | $26 | 0.06% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 440 | 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) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 340 | $81K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $219K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $55K |
| Other(4 contracts, 3 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 443 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.