| 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 | $21K | $7K | $27K | 5.67% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $15K | $5K | $19K | 3.97% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $8K | $2K | $10K | 2.08% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. 2ND FLOOR #275 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $3K | $7K | 1.36% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $996 | $5K | 1.10% |
| RICHARD WORRELL LLC3 | 6235 MORRISON ROAD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $3K | $5K | 1.10% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3K | $888 | $4K | 0.76% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $790 | $3K | 0.60% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $182 | $258 | $440 | 0.09% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $112 | $256 | $368 | 0.08% |
| 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 | $11 | $25 | $36 | 0.01% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $22 | $22 | 0.00% |
| JOHN D TYLER3 Filed as: JOHN B TRIPOLI | 501 E MCBEE AVE GREENVILLE, SC 29601 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $319 | $2K | 4.44% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $811 | $186 | $997 | 2.71% |
| BRUCE JOHNSON POPE3 | 1901 BULL STREET COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $190 | $190 | 0.52% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $62 | $86 | $148 | 0.40% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $29 | $85 | $114 | 0.31% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE, SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $43 | $16 | $59 | 0.16% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $18 | $7 | $25 | 0.07% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $13 | $9 | $22 | 0.06% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $14 | $4 | $18 | 0.05% |
| CAROLINA CONDREY GROUP3 | 4020 WESTCHASE BLVD. RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| 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 | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 686 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $250K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 440 | $59K |
| Other(4 contracts, 3 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 440 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.