| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 741738 ATLANTA, GA 30374 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD | P.O. BOX 309 LENOIR, NC 28645 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $67K | — | $67K | 24.16% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 1.69% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 56-0894904 NONE | Contract Administrator; Insurance agents and brokers Service code 13 | — | $765K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 NONE | Other services Service code 49 | — | $273K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other services Service code 49 | — | $11K |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 156 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,276 | $277K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,136 | $542K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,166 | $300K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $45K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,276 | $277K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 1,276 | $277K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,166 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.