| 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 | $26K | $10K | $36K | 4.59% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $11K | $5K | $16K | 1.98% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $9K | $5K | $13K | 1.71% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5K | $2K | $6K | 0.82% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4K | $1K | $5K | 0.66% |
| DAVID FLOYD BARBER3 | 24 WOODS LANE BANNER ELK, NC 28604 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $792 | $199 | $991 | 0.13% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $173 | $377 | $550 | 0.07% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $183 | $291 | $474 | 0.06% |
| BRUCE JOHNSON POPE3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $98 | $328 | $426 | 0.05% |
| JAMES G. HUCKABEE3 | 240 LEIGH FARM ROAD SUITE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $119 | $278 | $397 | 0.05% |
| KEITH O MOELLER3 | 601 CARLSON PKWY STE 300 MINNETONKA, MN 55305 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $309 | $309 | 0.04% |
| JAMES RICHARD WORRELL3 Filed as: JAMES RICHARD WORRELL LLC | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $10 | $23 | $33 | 0.00% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $20 | $20 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.77% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.78% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.76% |
| MCGRIFF INSURANCE SERVICES INC3 | 47 AIRPARK CT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.82% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL STE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $11K | $3K | $14K | 22.83% |
| CAROLINA CONDREY GROUP3 Filed as: CAROLINA CONDREY GRP | 1201 EDWARDS MILL RD STE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1K | $3K | $4K | 6.46% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVLLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $284 | $80 | $364 | 0.59% |
| KEITH O MOELLER3 | 601 CARLSON PKWY STE 300 MINNETONKA, MN 55305 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | — | $199 | $199 | 0.32% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $130 | $55 | $185 | 0.30% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $29 | $56 | $85 | 0.14% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $22 | $60 | $82 | 0.13% |
| BRUCE JOHNSON POPE3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $286 | $818 | $1K | 1.78% |
| ARTHEA STAEGER REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $453 | $126 | $579 | 0.94% |
| DONALD EUGENE REED3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $54 | $85 | $139 | 0.22% |
| JAMES RICHARD WORRELL3 Filed as: JAMES RICHARD WORRELL LLC | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $30 | $68 | $98 | 0.16% |
| RICHARD WORRELL LLC3 | 6235 MORRISON BLVD CHARLOTTE, NC 28211 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $3 | $76 | $79 | 0.13% |
| WILLIAM JOHN COOPER3 | 4 VANDERBILT PARK DR STE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $56 | $22 | $78 | 0.13% |
| SAMUEL CHARLTON DOWDY3 | 1901 BULL ST COLUMBIA, SC 29201 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $0 | $57 | $57 | 0.09% |
| BARBARA W DEBERRY3 | 5102 DURHAM CHAPEL HILL SUITE 201 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $21 | $8 | $29 | 0.05% |
| CAROLE H. MARTIN3 | 4 VANDERBILT PARK DRIVE SUITE 350 ASHEVILLE, NC 28803 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $5 | $13 | $18 | 0.03% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL RD SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $4 | $2 | $6 | 0.01% |
| JAMES G. HUCKABEE3 Filed as: JAMES G HUCKABEE | 240 LEIGH FARM RD STE 400 DURHAM, NC 27707 | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | $1 | $2 | $3 | 0.00% |
| 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 | 476 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 807 | $62K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $320K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 476 | $64K |
| Other(5 contracts, 3 carriers) | NORTHWESTERN LONG TERM CARE INSURANCE COMPANY | 476 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.