| 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% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $62K | $4K | $66K | 21.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $3K | $30K | 11.30% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD | P.O. BOX 309 LENOIR, NC 28645 | FOUR EVER LIFE INS CO. | $13K | $5K | $18K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $638 | $6K | 11.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $648 | $6K | 11.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 6000 FELDWOOD ROAD, LOCKBOX 741738 COLLEGE PARK, GA 30349 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $729 | $15 | $744 | 10.21% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD | 222B HARPER AVE NW LENOIR, NC 28645 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $541 | — | $541 | 14.99% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD | P.O. BOX 309 LENOIR, NC 28645 | UNITED HEALTHCARE SERVICES, INC. | $36K | — | $36K | — |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 4725 PIEDMONT ROW DR STE 510 CHARLOTTE, NC 28210 | UNITED HEALTHCARE SERVICES, INC. | $36K | — | $36K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Other services; Claims processing Service code 12 | — | $546K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 NONE | Other services Service code 49 | — | $297K |
| FLORES AND ASSOCIATES EIN 56-1542307 NONE | Other services Service code 49 | — | $11K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Other commissions Service code 55 | — | $0 |
| ROBERT O FLOYD JR EIN 20-3354970 NONE | Other commissions Service code 55 | — | $0 |
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 | 1,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO. | 1,209 | $131K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,104 | $549K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,411 | $315K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 247 | $52K |
| Prescription drug | UNITED HEALTHCARE SERVICES, INC. | 1,209 | $0 |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE SERVICES, INC. | 1,209 | $0 |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,411 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,411 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.