| 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 | $31K | $10K | $41K | 7.13% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $21K | $7K | $29K | 4.96% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $7K | $7K | $13K | 2.25% |
| RICHARD WORRELL LLC3 | 6235 MORRISON ROAD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5K | $5K | $9K | 1.64% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $1K | $5K | 0.91% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $953 | $240 | $1K | 0.21% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $187 | $292 | $479 | 0.08% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $135 | $299 | $434 | 0.08% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $94 | $220 | $314 | 0.05% |
| KEITH O MOELLER3 | 225 S 6TH ST STE 2900 MINNEAPOLIS, MN 55402 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $276 | $276 | 0.05% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $17K | $5K | $22K | 46.59% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILL, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $12K | $3K | $15K | 31.44% |
| CAROLINA CONDREY GROUP3 Filed as: CAROLINA CONDREY GRP | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $2K | $4K | $6K | 12.16% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $3K | $4K | 8.23% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVLLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $390 | $107 | $497 | 1.04% |
| KEITH O MOELLER3 | 225 S 6TH STE 2900 MINNEAPOLIS, MN 55402 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $176 | $176 | 0.37% |
| DAVID FLOYD BARBER3 | 24 WOODS LN BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $75 | $19 | $94 | 0.20% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $28 | $61 | $89 | 0.19% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $511 | $143 | $654 | 1.64% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $70 | $107 | $177 | 0.44% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3 | $90 | $93 | 0.23% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $46 | $18 | $64 | 0.16% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $14 | $6 | $20 | 0.05% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $10 | $14 | 0.04% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $1 | $5 | 0.01% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | -$10 | -$2 | -$12 | -0.03% |
| 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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 742 | $82K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $213K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 515 | $55K |
| Other(5 contracts, 3 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 515 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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.