| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT O FLOYD JR.3 | PO BOX 309 LENOIR, NC 28645 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (SOUTHEAST SERIES | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $34K | $0 | $34K | 9.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $14K | $14K | 3.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (SOUTHEAST SERIES | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $47K | $0 | $47K | 20.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $9K | $9K | 3.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$640 | $4K | $3K | 1.30% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT FLOYD | P.O. BOX 309 LENOIR, NC 28645 | FOUR EVER LIFE INS CO. | $12K | $5K | $17K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES (SOUTHEAST SERIES | PO BOX 741738 ATLANTA, GA 30374 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $3K | $0 | $3K | 8.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 4.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $540K |
| UNC CALDWELL HEALTH CARE EIN 56-0894904 NONE | Other services Service code 49 | — | $236K |
| LOCKTON COMPANIES EIN 20-3354970 NONE | Other commissions Service code 55 | — | $62K |
| 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 | 1,154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 10 | $119K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 937 | $538K |
| Vision | COMMUNITY EYE CARE | 1,696 | $119K |
| Life insurance | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 1,152 | $344K |
| Short-term disability | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 755 | $235K |
| Long-term disability | LINCOLN LIFE INSURANCE COMPANY OF BOSTON | 222 | $36K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 965 | $231K |
| Other | NATIONAL UNION FIRE INS CO. | 2 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,696 | — |
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.